Hardin County Savings Bank in Eldora, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Hardin County Savings Bank in Eldora, Iowa (IA)
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Hardin County Savings Bank - Overview

  • General
  • FDIC Certificate #: 5817
    Status: Active
    Federal Reserve ID: 647245
    Bank Holding Company (Regulatory Top Holder): Hardin County Bancorporation (RSSDID: 1205240, Location: Eldora, IA)
    Date Established: January 01, 1868
    WWW: http://www.hardincsb.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13799
    FDIC's unique #: 3975
    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: 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: 1414 Edgington Avenue, Eldora, IA 50627
    County: Hardin
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Des Moines
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $163.4 mil
    Equity capital: $14.5 mil
    Deposits held in domestic offices: $135.1 mil
    Return on assets (ROA): 1.06% ($1.7 mil)
    Quarterly return on assets: 0.93% ($1.5 mil)
    Return on Equity (ROE): 11.88% ($1.7 mil)
    Quarterly return on equity: 10.13% ($1.4 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.11% ($1,813.4 mil)
    Quarterly Pretax return on assets: 0.97% ($1,584.7 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
  • 32Total employees (full-time equivalent)
  • $163,369Total assets
  • $4,251Cash and due from depository institutions
  • $1,152Interest-bearing balances
  • $74,715Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $75,837Net loans & leases
  • $1,404Loan loss allowance
  • $0Trading account assets
  • $971Bank premises and fixed assets
  • $815Other real estate owned
  • $0Goodwill and other intangibles
  • $163,369Life insurance assets
  • $6,780All other assets
  • $148,902Total liabilities and capital
  • $135,112Total liabilities
  • $106,310Total deposits
  • $135,112Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 8083.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $707Subordinated debt
  • $14,467All other liabilities
  • $14,467Total equity capital
  • $14,467Total bank equity capital
  • $0Perpetual preferred stock
  • $1,375Common stock
  • $4,385Surplus
  • $8,707Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,048Income earned, not collected on loans
  • $0Earning assets
  • $1,515Long-term assets (5+ years)
  • $151,704Average Assets, year-to-date
  • $63,666Average Assets, quarterly
  • $151,419Volatile liabilities
  • $159,608Insider loans
  • $115,317FHLB advances
  • $156,542Loans and leases held for sale
  • $3,852Unused loan commitments
  • $3,852Tier 1 (core) risk-based capital
  • $13,132Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,656Restructured Loans and leases
  • $853Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,257Total interest income
  • $1,694Total interest expense
  • $4,563Net interest income
  • -$165Provision for loan and lease losses
  • $465Total noninterest income
  • $7Fiduciary activities
  • $147Service charges on deposit accounts
  • $0Trading account gains & fees
  • $311Additional noninterest income
  • $3,629Total noninterest expense
  • $2,067Salaries and employee benefits
  • $517Premises and equipment expense
  • $1,045Additional noninterest expense
  • $1,564Pre-tax net operating income
  • $114Securities gains (losses)
  • $69Applicable income taxes
  • $1,609Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,609Net income attributable to bank
  • $0Net charge-offs
  • $1,609Cash dividends
  • -$7Sale, conversion, retirement of capital stock, net
  • $669Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 2.61%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 11.88%Return on equity (ROE)
  • 6.94%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 2357.14%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 72,176Assets per employee
  • 5.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.58%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 68.55%Noncurrent assets plus other real estate owned to assets
  • 1.75%Noncurrent loans to loans
  • 2.65%Net loans and leases to deposits
  • 56.13%Net loans and leases to core deposits
  • 58.71%Equity capital to assets
  • 8.86%Core capital (leverage) ratio
  • 8.39%Tier 1 risk-based capital ratio
  • 11.39%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $151,419Average earning assets
  • $13,542Average equity
  • $139,263Average 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
  • $2,018Managed Assets
  • 1Number of Accounts
  • $2,018Personal trust and agency accounts
  • $2,018Employee 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
  • 12Number 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

  • 3 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03975Hardin County Savings Bank1414 Edgington Avenue, Eldora, IA 50627January 01, 1868Full Service Brick and Mortar
    43967Union Main Branch204 Center Street, Union, IA 50258September 19, 1930Full Service Brick and Mortar
    5208199Liscomb Branch100 Main Street, Liscomb, IA 50148November 26, 1934Full Service Brick and Mortar

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