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


Keokuk Savings Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 1853
    Status: Active
    Federal Reserve ID: 745646
    Bank Holding Company (Regulatory Top Holder): Ksb, Ltd. (RSSDID: 1202753, Location: Keokuk, IA)
    Date Established: January 04, 1868
    WWW: http://www.ksbbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12659
    FDIC's unique #: 1234
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 501 Main Street, Keokuk, IA 52632
    County: Lee
    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
    Core Based Statistical Area (CBSA): Fort Madison-Keokuk, IA-MO (#22800)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $106.8 mil
    Equity capital: $11.2 mil
    Deposits held in domestic offices: $93.4 mil
    Return on assets (ROA): 0.94% ($1.0 mil)
    Quarterly return on assets: 0.83% ($0.9 mil)
    Return on Equity (ROE): 8.85% ($1.0 mil)
    Quarterly return on equity: 7.82% ($0.9 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.98% ($1,046.7 mil)
    Quarterly Pretax return on assets: 0.88% ($939.9 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
  • 36Total employees (full-time equivalent)
  • $106,809Total assets
  • $6,988Cash and due from depository institutions
  • $5,064Interest-bearing balances
  • $26,592Securities
  • $5,067Federal funds sold & reverse repurchase agreements
  • $56,810Net loans & leases
  • $898Loan loss allowance
  • $0Trading account assets
  • $2,154Bank premises and fixed assets
  • $2,480Other real estate owned
  • $2,009Goodwill and other intangibles
  • $106,809Life insurance assets
  • $4,709All other assets
  • $95,614Total liabilities and capital
  • $93,388Total liabilities
  • $79,763Total deposits
  • $93,388Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $401Trading liabilities
  • $0Other borrowed funds
  • $1,825Subordinated debt
  • $11,195All other liabilities
  • $11,195Total equity capital
  • $11,195Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $4,450Surplus
  • $5,745Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $615Income earned, not collected on loans
  • $0Earning assets
  • $669Long-term assets (5+ years)
  • $93,533Average Assets, year-to-date
  • $16,281Average Assets, quarterly
  • $105,529Volatile liabilities
  • $105,869Insider loans
  • $68,975FHLB advances
  • $105,535Loans and leases held for sale
  • $3,145Unused loan commitments
  • $3,145Tier 1 (core) risk-based capital
  • $8,857Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,358Restructured Loans and leases
  • $1,312Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,216Total interest income
  • $662Total interest expense
  • $3,554Net interest income
  • $135Provision for loan and lease losses
  • $2,231Total noninterest income
  • $48Fiduciary activities
  • $286Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,897Additional noninterest income
  • $4,612Total noninterest expense
  • $2,816Salaries and employee benefits
  • $616Premises and equipment expense
  • $1,180Additional noninterest expense
  • $1,038Pre-tax net operating income
  • $0Securities gains (losses)
  • $45Applicable income taxes
  • $993Income before extraordinary items
  • $0Extraordinary gains - net
  • $993Net income attributable to bank
  • $0Net charge-offs
  • $993Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $915Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.59%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 3.87%Net interest margin
  • 2.43%Noninterest income to earning assets
  • 5.02%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 8.85%Return on equity (ROE)
  • 0.70%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 750.00%Credit loss provision to net charge-offs
  • 65.17%Efficiency ratio
  • 77,926Assets per employee
  • 2.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 92.15%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 146.02%Noncurrent assets plus other real estate owned to assets
  • 2.90%Noncurrent loans to loans
  • 1.07%Net loans and leases to deposits
  • 60.83%Net loans and leases to core deposits
  • 61.32%Equity capital to assets
  • 10.48%Core capital (leverage) ratio
  • 8.39%Tier 1 risk-based capital ratio
  • 12.84%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $105,529Average earning assets
  • $11,223Average equity
  • $91,924Average 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
  • $13,747Managed Assets
  • 1Number of Accounts
  • $11,373Personal trust and agency accounts
  • $9,853Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,520Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 51Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,374Other retirement accounts
  • $369Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,005Fiduciary accounts held in foreign offices

List of branches

  • 4 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01234Keokuk Savings Bank And Trust Compan501 Main Street, Keokuk, IA 52632January 04, 1868Full Service Brick and Mortar
    1190228Montrose Branch35 South First Street, Montrose, IA 52639March 15, 1952Full Service Brick and Mortar
    2190229Parking Lot Branch1610 Main Street, Keokuk, IA 52632November 27, 1968Full Service Brick and Mortar
    6190230Keokuk Branch3460 Main Street, Keokuk, IA 52632September 23, 1999Full Service Brick and Mortar

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