Keokuk County State Bank in Sigourney, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Keokuk County State Bank in Sigourney, Iowa (IA)
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Keokuk County State Bank - Overview

  • General
  • FDIC Certificate #: 12126
    Status: Active
    Federal Reserve ID: 477844
    Bank Holding Company (Regulatory Top Holder): Fountain View Bancorp., Inc. (RSSDID: 2745613, Location: Sigourney, IA)
    Date Established: January 01, 1884
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 7705
    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: January 01, 1934
    Last Structure Change Effective Date: January 08, 2010
    Last Structure Change Process Date: April 12, 2010
    Last Data Update: April 12, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 South Jefferson Street, Sigourney, IA 52591
    County: Keokuk
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $97.6 mil
    Equity capital: $10.0 mil
    Deposits held in domestic offices: $86.5 mil
    Return on assets (ROA): 1.43% ($1.4 mil)
    Quarterly return on assets: 1.32% ($1.3 mil)
    Return on Equity (ROE): 14.87% ($1.5 mil)
    Quarterly return on equity: 12.87% ($1.3 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.15% ($2,097.6 mil)
    Quarterly Pretax return on assets: 2.02% ($1,970.8 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
  • 28Total employees (full-time equivalent)
  • $97,564Total assets
  • $7,371Cash and due from depository institutions
  • $4,599Interest-bearing balances
  • $5,946Securities
  • $120Federal funds sold & reverse repurchase agreements
  • $78,608Net loans & leases
  • $1,405Loan loss allowance
  • $0Trading account assets
  • $1,668Bank premises and fixed assets
  • $159Other real estate owned
  • $368Goodwill and other intangibles
  • $97,564Life insurance assets
  • $3,324All other assets
  • $87,572Total liabilities and capital
  • $86,466Total liabilities
  • $63,486Total deposits
  • $86,466Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $400Trading liabilities
  • $0Other borrowed funds
  • $706Subordinated debt
  • $9,992All other liabilities
  • $9,992Total equity capital
  • $9,992Total bank equity capital
  • $0Perpetual preferred stock
  • $480Common stock
  • $3,801Surplus
  • $5,711Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $98Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,204Income earned, not collected on loans
  • $0Earning assets
  • $1,223Long-term assets (5+ years)
  • $89,273Average Assets, year-to-date
  • $27,763Average Assets, quarterly
  • $97,424Volatile liabilities
  • $96,526Insider loans
  • $86,003FHLB advances
  • $98,942Loans and leases held for sale
  • $999Unused loan commitments
  • $999Tier 1 (core) risk-based capital
  • $9,565Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,937Restructured Loans and leases
  • $60Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,217Total interest income
  • $707Total interest expense
  • $4,510Net interest income
  • $250Provision for loan and lease losses
  • $665Total noninterest income
  • $0Fiduciary activities
  • $293Service charges on deposit accounts
  • $0Trading account gains & fees
  • $372Additional noninterest income
  • $2,834Total noninterest expense
  • $1,638Salaries and employee benefits
  • $269Premises and equipment expense
  • $927Additional noninterest expense
  • $2,091Pre-tax net operating income
  • $0Securities gains (losses)
  • $694Applicable income taxes
  • $1,397Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,397Net income attributable to bank
  • $0Net charge-offs
  • $1,397Cash dividends
  • $36Sale, conversion, retirement of capital stock, net
  • $542Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.85%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 5.06%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 1.43%Net operating income to assets
  • 1.43%Return on assets (ROA)
  • 2.15%Pretax return on assets
  • 14.87%Return on equity (ROE)
  • 9.10%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 694.44%Credit loss provision to net charge-offs
  • 65.03%Efficiency ratio
  • 53,217Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.80%Loss allowance to loans
  • 1.76%Loss allowance to noncurrent loans
  • 116.69%Noncurrent assets plus other real estate owned to assets
  • 1.40%Noncurrent loans to loans
  • 1.50%Net loans and leases to deposits
  • 90.91%Net loans and leases to core deposits
  • 92.89%Equity capital to assets
  • 10.24%Core capital (leverage) ratio
  • 9.67%Tier 1 risk-based capital ratio
  • 11.12%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $97,424Average earning assets
  • $9,396Average equity
  • $89,110Average loans

List of branches

  • 5 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07705Keokuk County State Bank201 South Jefferson Street, Sigourney, IA 52591January 01, 1884Full Service Brick and Mortar
    1478564Keokuk County State Bank Branch500 N Highland, Po Box 470, Williamsburg, IA 52361October 04, 2006Full Service Brick and Mortar
    28717Gibson Branch106 S Marshall St, Gibson, IA 50104October 01, 1912Full Service Brick and Mortar
    3230660Deep River Branch301 Main Street, Deep River, IA 52222July 15, 1935Full Service Brick and Mortar
    4226359Keswick Branch225 Irons Street, Keswick, IA 50136April 02, 1945Full Service Brick and Mortar

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