Lincoln Savings Bank in Cedar Falls, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Lincoln Savings Bank - Overview

  • General
  • FDIC Certificate #: 14207
    Status: Active
    Federal Reserve ID: 589943
    Bank Holding Company (Regulatory Top Holder): Lincoln Bancorp (RSSDID: 1210169, Location: Reinbeck, IA)
    Date Established: January 01, 1902
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Domestic: 14, Interstate: No)
    FDIC's unique #: 8872
    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: March 26, 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: 301 Washington Street, Cedar Falls, IA 50613
    County: Black Hawk
    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
    Metropolitan Statistical Area (MSA): Waterloo-Cedar Falls, IA (#8920)
    Core Based Statistical Area (CBSA): Waterloo-Cedar Falls, IA (#47940)
    CBSA Metro Statistical Area: Waterloo-Cedar Falls, IA (#47940)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $582.9 mil
    Equity capital: $65.4 mil
    Deposits held in domestic offices: $430.7 mil
    Return on assets (ROA): 0.82% ($4.8 mil)
    Quarterly return on assets: 1.17% ($6.8 mil)
    Return on Equity (ROE): 7.19% ($4.7 mil)
    Quarterly return on equity: 10.23% ($6.6 mil)
    Net income: $4.6 mil
    Quarterly Net income: $1.7 mil
    Pretax return on assets: 1.06% ($6,179.1 mil)
    Quarterly Pretax return on assets: 1.46% ($8,510.8 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
  • 197Total employees (full-time equivalent)
  • $582,933Total assets
  • $34,567Cash and due from depository institutions
  • $18,804Interest-bearing balances
  • $131,153Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $366,477Net loans & leases
  • $5,334Loan loss allowance
  • $0Trading account assets
  • $11,993Bank premises and fixed assets
  • $45Other real estate owned
  • $18,607Goodwill and other intangibles
  • $582,933Life insurance assets
  • $20,091All other assets
  • $517,509Total liabilities and capital
  • $430,737Total liabilities
  • $351,017Total deposits
  • $430,737Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 29302.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $52,000Trading liabilities
  • $0Other borrowed funds
  • $5,470Subordinated debt
  • $65,424All other liabilities
  • $65,424Total equity capital
  • $65,424Total bank equity capital
  • $0Perpetual preferred stock
  • $3,537Common stock
  • $37,375Surplus
  • $24,512Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $16,319Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,938Income earned, not collected on loans
  • $0Earning assets
  • $4,544Long-term assets (5+ years)
  • $516,434Average Assets, year-to-date
  • $183,163Average Assets, quarterly
  • $559,528Volatile liabilities
  • $573,815Insider loans
  • $393,795FHLB advances
  • $553,895Loans and leases held for sale
  • $8,904Unused loan commitments
  • $8,904Tier 1 (core) risk-based capital
  • $43,713Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $70,831Restructured Loans and leases
  • $2,507Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,836Total interest income
  • $5,195Total interest expense
  • $19,641Net interest income
  • $4,186Provision for loan and lease losses
  • $9,040Total noninterest income
  • $388Fiduciary activities
  • $1,107Service charges on deposit accounts
  • $0Trading account gains & fees
  • $7,545Additional noninterest income
  • $20,970Total noninterest expense
  • $12,212Salaries and employee benefits
  • $3,360Premises and equipment expense
  • $5,398Additional noninterest expense
  • $3,525Pre-tax net operating income
  • $2,386Securities gains (losses)
  • $1,349Applicable income taxes
  • $4,562Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,562Net income attributable to bank
  • $0Net charge-offs
  • $4,562Cash dividends
  • $4,025Sale, conversion, retirement of capital stock, net
  • $2,227Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.96%Net interest margin
  • 1.82%Noninterest income to earning assets
  • 4.23%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 7.19%Return on equity (ROE)
  • 3.68%Retained earnings to average equity (YTD only)
  • 1.11%Net charge-offs to loans
  • 104.00%Credit loss provision to net charge-offs
  • 1.92%Efficiency ratio
  • 72,222Assets per employee
  • 2.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.82%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 76.88%Noncurrent assets plus other real estate owned to assets
  • 1.20%Noncurrent loans to loans
  • 1.87%Net loans and leases to deposits
  • 85.08%Net loans and leases to core deposits
  • 87.32%Equity capital to assets
  • 11.22%Core capital (leverage) ratio
  • 7.89%Tier 1 risk-based capital ratio
  • 11.10%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $559,528Average earning assets
  • $63,414Average equity
  • $495,826Average 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
  • $101,947Managed Assets
  • 1Number of Accounts
  • $71,897Personal trust and agency accounts
  • $50,604Employee benefit-defined contribution accounts
  • $1,925Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2,299Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $16,229Other fiduciary accounts
  • $840Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 394Number of Accounts
  • $0Personal trust and agency accounts
  • $2,299Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $30,050Other retirement accounts
  • $1Corporate trust and agency accounts
  • $12,224Other fiduciary accounts
  • $11,278Fiduciary accounts held in foreign offices

List of branches

  • 14 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08872Lincoln Savings Bank301 Washington Street, Cedar Falls, IA 50613January 01, 1902Full Service Brick and Mortar
    2231163Lincoln Branch313-315 Main Street, Lincoln, IA 50652March 30, 1934Full Service Brick and Mortar
    36716Allison Branch400-404 Main Street, Allison, IA 50602January 01, 1881Full Service Brick and Mortar
    411249Aplington Branch932 Parrott, Aplington, IA 50604January 01, 1911Full Service Brick and Mortar
    68535Garwin Branch237 Main Street, Garwin, IA 50632January 01, 1912Full Service Brick and Mortar
    711250Greene Branch111 East Traer, Greene, IA 50636November 07, 1887Full Service Brick and Mortar
    89029Nashua Branch121 Cedar Street, Nashua, IA 50658January 01, 1874Full Service Brick and Mortar
    9231164Reinbeck Branch508 Main Street, Reinbeck, IA 50669Febuary 11, 2000Full Service Brick and Mortar
    108063Hudson Branch141 Eldora Road, Hudson, IA 50643June 07, 1927Full Service Brick and Mortar
    12363534Tower Park Branch242 Tower Park Drive, Waterloo, IA 50701March 26, 2002Full Service Brick and Mortar
    13423193Viking Road Branch225 West Viking Road, Cedar Falls, IA 50613October 15, 2003Full Service Brick and Mortar
    14181402Tama Branch214 West Fourth Street, Tama, IA 52339August 19, 1996Full Service Brick and Mortar
    15488159Grinnell Branch1025 Main St, Grinnell, IA 50112December 15, 2008Full Service Brick and Mortar
    17494347Waverly Branch1810 4th St Sw Suite 105, Waverly, IA 50677March 30, 2009Full Service Brick and Mortar

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