Interstate Federal Savings and Loan Association of McGregor - Overview
General
FDIC Certificate #: 29501 Status: Active Federal Reserve ID: 277679 Date Established: August 15, 1935 Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 3560 FDIC's unique #: 42335 Numeric code: 38 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: August 15, 1935 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 154 Main St, Mcgregor, IA 52157 County: Clayton 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 Primary Regulatory Agency
Financial Summary
Total assets: $8.9 mil Equity capital: $1.7 mil Deposits held in domestic offices: $7.2 mil Return on assets (ROA): 0.25% ($0.0 mil) Quarterly return on assets: 1.03% ($0.1 mil) Return on Equity (ROE): 1.34% ($0.0 mil) Quarterly return on equity: 5.59% ($0.1 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.29% ($25.7 mil) Quarterly Pretax return on assets: 0.94% ($83.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
3Total employees (full-time equivalent)
$8,858Total assets
$1,720Cash and due from depository institutions
$1,705Interest-bearing balances
$7Securities
$0Federal funds sold & reverse repurchase agreements
$6,793Net loans & leases
$100Loan loss allowance
$0Trading account assets
$66Bank premises and fixed assets
$112Other real estate owned
$0Goodwill and other intangibles
$8,858Life insurance assets
$160All other assets
$7,202Total liabilities and capital
$7,189Total liabilities
$7,189Total deposits
$7,189Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$13Subordinated debt
$1,656All other liabilities
$1,656Total equity capital
$1,656Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$1,656Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$25Long-term assets (5+ years)
$8,505Average Assets, year-to-date
$0Average Assets, quarterly
$8,939Volatile liabilities
$8,973Insider loans
$4,584FHLB advances
$8,858Loans and leases held for sale
$30Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,656Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$132Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$428Total interest income
$141Total interest expense
$287Net interest income
$1Provision for loan and lease losses
$0Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$260Total noninterest expense
$184Salaries and employee benefits
$10Premises and equipment expense
$66Additional noninterest expense
$26Pre-tax net operating income
$0Securities gains (losses)
$4Applicable income taxes
$22Income before extraordinary items
$0Extraordinary gains - net
$22Net income attributable to bank
$0Net charge-offs
$22Cash 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)
5.00%Yield on earning assets
1.65%Cost of funding earning assets
3.35%Net interest margin
0.00%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
0.25%Net operating income to assets
0.25%Return on assets (ROA)
0.29%Pretax return on assets
1.34%Return on equity (ROE)
1.34%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
90,592Assets per employee
2.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
1.26%Noncurrent loans to loans
0.00%Net loans and leases to deposits
94.49%Net loans and leases to core deposits
95.81%Equity capital to assets
18.69%Core capital (leverage) ratio
18.69%Tier 1 risk-based capital ratio
36.13%Total risk-based capital ratio
Memoranda
$37Average assets
$8,939Average earning assets
$1,637Average equity
$8,566Average loans
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42335
Interstate Federal Savings And Loan
154 Main St, Mcgregor, IA 52157
August 15, 1935
Full Service Brick and Mortar
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Interstate Federal Savings and Loan Association of McGregor
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