First Trust and Savings Bank in city_name, state_name - Detailed Financial Reports, Location

First Trust and Savings Bank in Coralville, Iowa (IA)
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First Trust and Savings Bank routing number info

First Trust and Savings Bank - Overview

General
FDIC Certificate #: 10123
Status: Active
Federal Reserve ID: 84046
Date Established: April 15, 1931
WWW: http://www.ft-sb.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 14540
FDIC's unique #: 6476
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural 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: 1831 Second Street, Coralville, IA 52241
County: Johnson
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
Metropolitan Statistical Area (MSA): Iowa City, IA (#3500)
Core Based Statistical Area (CBSA): Iowa City, IA (#26980)
CBSA Metro Statistical Area: Iowa City, IA (#26980)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $49.8 mil
Equity capital: $5.2 mil
Deposits held in domestic offices: $40.0 mil
Return on assets (ROA): 0.52% ($0.3 mil)
Quarterly return on assets: 0.89% ($0.4 mil)
Return on Equity (ROE): 5.14% ($0.3 mil)
Quarterly return on equity: 8.39% ($0.4 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.52% ($259.1 mil)
Quarterly Pretax return on assets: 0.89% ($443.5 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
12Total employees (full-time equivalent)
$49,836Total assets
$1,068Cash and due from depository institutions
$50Interest-bearing balances
$26,930Securities
$430Federal funds sold & reverse repurchase agreements
$17,119Net loans & leases
$469Loan loss allowance
$0Trading account assets
$1,818Bank premises and fixed assets
$965Other real estate owned
$0Goodwill and other intangibles
$49,836Life insurance assets
$1,506All other assets
$44,686Total liabilities and capital
$40,038Total liabilities
$34,248Total deposits
$40,038Interest-bearing deposits
$82Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,500Trading liabilities
$0Other borrowed funds
$148Subordinated debt
$5,150All other liabilities
$5,150Total equity capital
$5,150Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$725Surplus
$4,225Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$838Income earned, not collected on loans
$0Earning assets
$412Long-term assets (5+ years)
$44,529Average Assets, year-to-date
$20,221Average Assets, quarterly
$48,295Volatile liabilities
$48,788Insider loans
$31,649FHLB advances
$48,173Loans and leases held for sale
$605Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,606Tier 2 risk-based capital
$605Total risk weighted assets
$0Total unused commitments
$4,631Restructured Loans and leases
$317Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,194Total interest income
$588Total interest expense
$1,606Net interest income
$115Provision for loan and lease losses
$80Total noninterest income
$0Fiduciary activities
$80Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$1,526Total noninterest expense
$804Salaries and employee benefits
$273Premises and equipment expense
$449Additional noninterest expense
$45Pre-tax net operating income
$208Securities gains (losses)
$0Applicable income taxes
$253Income before extraordinary items
$0Extraordinary gains - net
$253Net income attributable to bank
$0Net charge-offs
$253Cash 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)
5.05%Yield on earning assets
1.35%Cost of funding earning assets
3.70%Net interest margin
0.18%Noninterest income to earning assets
3.51%Noninterest expense to earning assets
0.09%Net operating income to assets
0.52%Return on assets (ROA)
0.52%Pretax return on assets
5.14%Return on equity (ROE)
5.14%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
90,510Assets per employee
4.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.67%Loss allowance to noncurrent loans
55.97%Noncurrent assets plus other real estate owned to assets
3.62%Noncurrent loans to loans
4.76%Net loans and leases to deposits
42.76%Net loans and leases to core deposits
44.16%Equity capital to assets
10.33%Core capital (leverage) ratio
9.56%Tier 1 risk-based capital ratio
14.55%Total risk-based capital ratio
Memoranda
$16Average assets
$48,295Average earning assets
$4,925Average equity
$43,453Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$746Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
14Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$746Other retirement accounts
$0Corporate trust and agency accounts
$746Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	6476	First Trust And Savings Bank	1831 Second Street, Coralville, IA 52241	April 15, 1931	Full Service Brick and Mortar
1	291945	Oxford Branch	102 Augusta Avenue, Oxford, IA 52322	December 27, 1999	Full Service Brick and Mortar

First Trust and Savings Bank in Coralville, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Trust and Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Trust and Savings Bank in Coralville, Iowa (IA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Trust and Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Trust and Savings Bank in Coralville, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches