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

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

First Trust and Savings Bank - Overview

General
FDIC Certificate #: 8752
Status: Active
Federal Reserve ID: 640442
Bank Holding Company (Regulatory Top Holder): Wheatland Bancorporation (RSSDID: 1206014, Location: Wheatland, IA)
Date Established: January 01, 1905
WWW: http://www.firsttrustsavings.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 12271
FDIC's unique #: 5569
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 14, 2007
Last Structure Change Process Date: May 22, 2008
Last Data Update: May 22, 2008
Data Source Date: April 05, 2012
Location
Address: 123 S. Main St., Wheatland, IA 52777
County: Clinton
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
Core Based Statistical Area (CBSA): Clinton, IA (#17540)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Office Purchased
Financial Summary
Total assets: $123.2 mil
Equity capital: $12.1 mil
Deposits held in domestic offices: $105.5 mil
Return on assets (ROA): 1.37% ($1.7 mil)
Quarterly return on assets: 1.28% ($1.6 mil)
Return on Equity (ROE): 14.29% ($1.7 mil)
Quarterly return on equity: 13.35% ($1.6 mil)
Net income: $1.6 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.43% ($1,761.9 mil)
Quarterly Pretax return on assets: 1.38% ($1,700.3 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
29Total employees (full-time equivalent)
$123,212Total assets
$2,610Cash and due from depository institutions
$64Interest-bearing balances
$8,308Securities
$0Federal funds sold & reverse repurchase agreements
$107,812Net loans & leases
$1,161Loan loss allowance
$0Trading account assets
$913Bank premises and fixed assets
$0Other real estate owned
$403Goodwill and other intangibles
$123,212Life insurance assets
$3,166All other assets
$111,109Total liabilities and capital
$105,515Total liabilities
$88,099Total deposits
$105,515Interest-bearing deposits
$97Deposits held in domestic offices
1215.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,977Trading liabilities
$0Other borrowed funds
$1,402Subordinated debt
$12,103All other liabilities
$12,103Total equity capital
$12,103Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$4,100Surplus
$7,703Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$632Income earned, not collected on loans
$0Earning assets
$1,457Long-term assets (5+ years)
$116,184Average Assets, year-to-date
$9,165Average Assets, quarterly
$120,869Volatile liabilities
$124,947Insider loans
$110,949FHLB advances
$124,007Loans and leases held for sale
$979Unused loan commitments
$979Tier 1 (core) risk-based capital
$11,529Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25,893Restructured Loans and leases
$2,921Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,877Total interest income
$1,471Total interest expense
$4,406Net interest income
$200Provision for loan and lease losses
$578Total noninterest income
$6Fiduciary activities
$350Service charges on deposit accounts
$0Trading account gains & fees
$222Additional noninterest income
$3,051Total noninterest expense
$1,744Salaries and employee benefits
$328Premises and equipment expense
$979Additional noninterest expense
$1,733Pre-tax net operating income
$1Securities gains (losses)
$84Applicable income taxes
$1,650Income before extraordinary items
$0Extraordinary gains - net
$1,650Net income attributable to bank
$0Net charge-offs
$1,650Cash dividends
$160Sale, conversion, retirement of capital stock, net
$575Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.19%Yield on earning assets
1.30%Cost of funding earning assets
3.89%Net interest margin
0.51%Noninterest income to earning assets
2.70%Noninterest expense to earning assets
1.36%Net operating income to assets
1.37%Return on assets (ROA)
1.43%Pretax return on assets
14.29%Return on equity (ROE)
9.31%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
125.00%Credit loss provision to net charge-offs
12.08%Efficiency ratio
59,089Assets per employee
4.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.85%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
183.70%Noncurrent assets plus other real estate owned to assets
0.51%Noncurrent loans to loans
0.58%Net loans and leases to deposits
102.18%Net loans and leases to core deposits
105.14%Equity capital to assets
9.82%Core capital (leverage) ratio
9.30%Tier 1 risk-based capital ratio
10.39%Total risk-based capital ratio
Memoranda
$11Average assets
$120,869Average earning assets
$11,550Average equity
$113,195Average 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
$5,430Managed Assets
1Number of Accounts
$5,430Personal trust and agency accounts
$5,430Employee 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
16Number 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
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

6 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5569	First Trust And Savings Bank	123 S. Main St., Wheatland, IA 52777	January 01, 1905	Full Service Brick and Mortar
1	218900	Dixon Branch	Main Street, Dixon, IA 52745	January 03, 1961	Full Service Brick and Mortar
2	218901	Lost Nation Branch	200 Long Avenue, Lost Nation, IA 52254	November 04, 1944	Full Service Brick and Mortar
3	6979	Grand Mound Branch	601 Smith Street, Grand Mound, IA 52751	June 23, 1926	Full Service Brick and Mortar
4	223075	Calamus Branch	195 2nd Street, Calamus, IA 52729	April 03, 1935	Full Service Brick and Mortar
5	289930	Donahue Branch	104 1st, Donahue, IA 52746	September 23, 1994	Full Service Brick and Mortar

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