Interstate Federal Savings and Loan Association of McGregor in Mcgregor, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Interstate Federal Savings and Loan Association of McGregor in Mcgregor, Iowa (IA)
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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
  • NoIDNameAddressEstablishedService TypeMap
    042335Interstate Federal Savings And Loan154 Main St, Mcgregor, IA 52157August 15, 1935Full Service Brick and Mortar

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