Farmers and Traders Savings Bank in Douds, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Farmers and Traders Savings Bank - Overview

  • General
  • FDIC Certificate #: 10896
    Status: Active
    Federal Reserve ID: 672041
    Bank Holding Company (Regulatory Top Holder): Farmers And Traders Bancorporation, Inc. (RSSDID: 1209659, Location: Douds, IA)
    Date Established: May 20, 1910
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 6976
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Consumer Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 14155 Hwy 98, Douds, IA 52551
    County: Van Buren
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Cedar Rapids
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $18.1 mil
    Equity capital: $1.8 mil
    Deposits held in domestic offices: $16.2 mil
    Return on assets (ROA): 0.45% ($0.1 mil)
    Quarterly return on assets: -0.68% (-$0.1 mil)
    Return on Equity (ROE): 4.24% ($0.1 mil)
    Quarterly return on equity: -6.49% (-$0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.59% ($106.6 mil)
    Quarterly Pretax return on assets: -0.25% (-$45.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 6Total employees (full-time equivalent)
  • $18,070Total assets
  • $2,866Cash and due from depository institutions
  • $482Interest-bearing balances
  • $0Securities
  • $1,359Federal funds sold & reverse repurchase agreements
  • $13,644Net loans & leases
  • $83Loan loss allowance
  • $0Trading account assets
  • $43Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $18,070Life insurance assets
  • $158All other assets
  • $16,235Total liabilities and capital
  • $16,155Total liabilities
  • $15,153Total deposits
  • $16,155Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $80Subordinated debt
  • $1,835All other liabilities
  • $1,835Total equity capital
  • $1,835Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $475Surplus
  • $1,310Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $486Income earned, not collected on loans
  • $0Earning assets
  • $106Long-term assets (5+ years)
  • $15,485Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $17,288Volatile liabilities
  • $17,524Insider loans
  • $10,930FHLB advances
  • $17,754Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,835Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $472Restructured Loans and leases
  • $314Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $847Total interest income
  • $225Total interest expense
  • $622Net interest income
  • $0Provision for loan and lease losses
  • $51Total noninterest income
  • $0Fiduciary activities
  • $42Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9Additional noninterest income
  • $571Total noninterest expense
  • $368Salaries and employee benefits
  • $64Premises and equipment expense
  • $139Additional noninterest expense
  • $102Pre-tax net operating income
  • $0Securities gains (losses)
  • $25Applicable income taxes
  • $77Income before extraordinary items
  • $0Extraordinary gains - net
  • $77Net income attributable to bank
  • $0Net charge-offs
  • $77Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.70%Yield on earning assets
  • 1.51%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 3.84%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 4.24%Return on equity (ROE)
  • 4.24%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 84,844Assets per employee
  • 3.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.60%Loss allowance to noncurrent loans
  • 17.08%Noncurrent assets plus other real estate owned to assets
  • 2.69%Noncurrent loans to loans
  • 3.54%Net loans and leases to deposits
  • 84.46%Net loans and leases to core deposits
  • 88.04%Equity capital to assets
  • 10.15%Core capital (leverage) ratio
  • 10.34%Tier 1 risk-based capital ratio
  • 16.79%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $17,288Average earning assets
  • $1,814Average equity
  • $14,857Average loans

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06976Farmers And Traders Savings Bank14155 Hwy 98, Douds, IA 52551May 20, 1910Full Service Brick and Mortar

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