Iowa Trust & Savings Bank in Emmetsburg, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Iowa Trust & Savings Bank in Emmetsburg, Iowa (IA)
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Iowa Trust & Savings Bank - Overview

  • General
  • FDIC Certificate #: 18400
    Status: Active
    Federal Reserve ID: 649342
    Bank Holding Company (Regulatory Top Holder): Emmetsburg Bank Shares, Inc. (RSSDID: 1131901, Location: Emmetsburg, IA)
    Date Established: July 01, 1929
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 12306
    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: June 07, 1961
    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: 2101 Tenth Street, Emmetsburg, IA 50536
    County: Palo Alto
    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: $163.3 mil
    Equity capital: $15.3 mil
    Deposits held in domestic offices: $132.9 mil
    Return on assets (ROA): 0.90% ($1.5 mil)
    Quarterly return on assets: 0.90% ($1.5 mil)
    Return on Equity (ROE): 9.41% ($1.4 mil)
    Quarterly return on equity: 9.52% ($1.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.29% ($2,106.2 mil)
    Quarterly Pretax return on assets: 1.34% ($2,187.8 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
  • 27Total employees (full-time equivalent)
  • $163,272Total assets
  • $26,221Cash and due from depository institutions
  • $22,003Interest-bearing balances
  • $37,223Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $91,119Net loans & leases
  • $1,478Loan loss allowance
  • $0Trading account assets
  • $3,771Bank premises and fixed assets
  • $57Other real estate owned
  • $1,509Goodwill and other intangibles
  • $163,272Life insurance assets
  • $2,372All other assets
  • $147,969Total liabilities and capital
  • $132,865Total liabilities
  • $99,469Total deposits
  • $132,865Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 14484.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $620Subordinated debt
  • $15,303All other liabilities
  • $15,303Total equity capital
  • $15,303Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $3,900Surplus
  • $11,303Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,479Income earned, not collected on loans
  • $0Earning assets
  • $1,480Long-term assets (5+ years)
  • $151,345Average Assets, year-to-date
  • $34,791Average Assets, quarterly
  • $155,595Volatile liabilities
  • $162,438Insider loans
  • $106,445FHLB advances
  • $163,271Loans and leases held for sale
  • $248Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,551Tier 2 risk-based capital
  • $248Total risk weighted assets
  • $0Total unused commitments
  • $25,702Restructured Loans and leases
  • $2,529Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,330Total interest income
  • $869Total interest expense
  • $5,461Net interest income
  • $71Provision for loan and lease losses
  • $492Total noninterest income
  • $1Fiduciary activities
  • $291Service charges on deposit accounts
  • $0Trading account gains & fees
  • $200Additional noninterest income
  • $3,876Total noninterest expense
  • $1,966Salaries and employee benefits
  • $648Premises and equipment expense
  • $1,262Additional noninterest expense
  • $2,006Pre-tax net operating income
  • $5Securities gains (losses)
  • $607Applicable income taxes
  • $1,404Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,404Net income attributable to bank
  • $0Net charge-offs
  • $1,404Cash dividends
  • $35Sale, conversion, retirement of capital stock, net
  • $525Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 9.41%Return on equity (ROE)
  • 5.89%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 202.86%Credit loss provision to net charge-offs
  • 59.34%Efficiency ratio
  • 63,279Assets per employee
  • 6.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.39%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 99.93%Noncurrent assets plus other real estate owned to assets
  • 0.94%Noncurrent loans to loans
  • 1.60%Net loans and leases to deposits
  • 68.58%Net loans and leases to core deposits
  • 74.28%Equity capital to assets
  • 9.37%Core capital (leverage) ratio
  • 8.30%Tier 1 risk-based capital ratio
  • 12.73%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $155,595Average earning assets
  • $14,920Average equity
  • $142,009Average 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
  • $1,700Managed Assets
  • 1Number of Accounts
  • $1,453Personal trust and agency accounts
  • $1,453Employee 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
  • 42Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $247Other retirement accounts
  • $247Corporate 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
    012306Iowa Trust & Savings Bank2101 Tenth Street, Emmetsburg, IA 50536July 01, 1929Full Service Brick and Mortar
    212305Main Street Branch113 Main Street, Cylinder, IA 50528January 01, 1898Full Service Brick and Mortar
    3463531Laurens Branch200 West Main Street, Laurens, IA 50554May 18, 2007Full Service Brick and Mortar

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