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

  • Iowa Trust and Savings Bank in Centerville, Iowa (IA)
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Iowa Trust and Savings Bank - Overview

  • General
  • FDIC Certificate #: 1547
    Status: Active
    Federal Reserve ID: 202541
    Bank Holding Company (Regulatory Top Holder): Bradley Bancorp, Inc. (RSSDID: 1202119, Location: Centerville, IA)
    Date Established: January 01, 1896
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12575
    FDIC's unique #: 1016
    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: 200 North 10th Street, Centerville, IA 52544
    County: Appanoose
    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: $160.7 mil
    Equity capital: $18.0 mil
    Deposits held in domestic offices: $120.0 mil
    Return on assets (ROA): 1.61% ($2.6 mil)
    Quarterly return on assets: 1.70% ($2.7 mil)
    Return on Equity (ROE): 14.39% ($2.6 mil)
    Quarterly return on equity: 14.97% ($2.7 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.69% ($2,715.8 mil)
    Quarterly Pretax return on assets: 1.79% ($2,876.5 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
  • 30Total employees (full-time equivalent)
  • $160,700Total assets
  • $5,507Cash and due from depository institutions
  • $2,466Interest-bearing balances
  • $78,478Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $72,802Net loans & leases
  • $965Loan loss allowance
  • $0Trading account assets
  • $1,182Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $160,700Life insurance assets
  • $2,731All other assets
  • $142,694Total liabilities and capital
  • $120,032Total liabilities
  • $103,450Total deposits
  • $120,032Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 22355.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $307Subordinated debt
  • $18,006All other liabilities
  • $18,006Total equity capital
  • $18,006Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $1,900Surplus
  • $15,506Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $382Income earned, not collected on loans
  • $0Earning assets
  • $1,545Long-term assets (5+ years)
  • $153,746Average Assets, year-to-date
  • $82,608Average Assets, quarterly
  • $156,323Volatile liabilities
  • $158,684Insider loans
  • $108,258FHLB advances
  • $161,855Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,083Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,250Restructured Loans and leases
  • $116Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,589Total interest income
  • $1,320Total interest expense
  • $5,269Net interest income
  • $60Provision for loan and lease losses
  • $719Total noninterest income
  • $6Fiduciary activities
  • $382Service charges on deposit accounts
  • $0Trading account gains & fees
  • $331Additional noninterest income
  • $3,223Total noninterest expense
  • $1,829Salaries and employee benefits
  • $495Premises and equipment expense
  • $899Additional noninterest expense
  • $2,705Pre-tax net operating income
  • -$62Securities gains (losses)
  • $132Applicable income taxes
  • $2,511Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,511Net income attributable to bank
  • $0Net charge-offs
  • $2,511Cash dividends
  • $75Sale, conversion, retirement of capital stock, net
  • $2,650Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.68%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.25%Noninterest expense to earning assets
  • 1.64%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 1.69%Pretax return on assets
  • 14.39%Return on equity (ROE)
  • -0.80%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 80.00%Credit loss provision to net charge-offs
  • 36.87%Efficiency ratio
  • 53,824Assets per employee
  • 5.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 105.54%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 252.62%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.52%Net loans and leases to deposits
  • 60.65%Net loans and leases to core deposits
  • 65.92%Equity capital to assets
  • 11.20%Core capital (leverage) ratio
  • 10.55%Tier 1 risk-based capital ratio
  • 15.78%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $156,323Average earning assets
  • $17,446Average equity
  • $143,090Average 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
  • $6,604Managed Assets
  • 1Number of Accounts
  • $5,843Personal trust and agency accounts
  • $3,176Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,667Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 24Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $761Other retirement accounts
  • $721Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $40Fiduciary accounts held in foreign offices

List of branches

  • 2 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01016Iowa Trust And Savings Bank200 North 10th Street, Centerville, IA 52544January 01, 1896Full Service Brick and Mortar
    1189775Iowa Trust And Savings Bank - Moravi23918 Hwy J18, Moravia, IA 52571April 24, 1937Full Service Brick and Mortar

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