Luana Savings Bank in city_name, state_name - Detailed Financial Reports, Location

Luana Savings Bank in Luana, Iowa (IA)
Show street view No street view available for this location

Luana Savings Bank routing number info

Luana Savings Bank - Overview

General
FDIC Certificate #: 253
Status: Active
Federal Reserve ID: 674849
Bank Holding Company (Regulatory Top Holder): Luana Bancorporation (RSSDID: 1209211, Location: Luana, IA)
Date Established: August 01, 1908
WWW: http://www.luanasavingsbank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 10130
FDIC's unique #: 202
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: April 08, 2009
Last Structure Change Process Date: April 08, 2009
Last Data Update: April 08, 2009
Data Source Date: April 05, 2012
Location
Address: 100 Harvest Drive, Luana, IA 52156
County: Clayton
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
Change in Location
Financial Summary
Total assets: $453.2 mil
Equity capital: $42.4 mil
Deposits held in domestic offices: $376.8 mil
Return on assets (ROA): 1.56% ($7.1 mil)
Quarterly return on assets: 0.33% ($1.5 mil)
Return on Equity (ROE): 16.85% ($7.1 mil)
Quarterly return on equity: 3.48% ($1.5 mil)
Net income: $6.5 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.69% ($7,659.3 mil)
Quarterly Pretax return on assets: 0.54% ($2,447.4 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
51Total employees (full-time equivalent)
$453,215Total assets
$31,228Cash and due from depository institutions
$26,504Interest-bearing balances
$62,191Securities
$4,411Federal funds sold & reverse repurchase agreements
$334,227Net loans & leases
$4,250Loan loss allowance
$0Trading account assets
$5,049Bank premises and fixed assets
$2,708Other real estate owned
$2,140Goodwill and other intangibles
$453,215Life insurance assets
$11,261All other assets
$410,809Total liabilities and capital
$376,842Total liabilities
$357,916Total deposits
$376,842Interest-bearing deposits
$73Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$32,600Trading liabilities
$0Other borrowed funds
$1,367Subordinated debt
$42,406All other liabilities
$42,406Total equity capital
$42,406Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$17,326Surplus
$24,830Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$229Income earned, not collected on loans
$0Earning assets
$3,515Long-term assets (5+ years)
$427,333Average Assets, year-to-date
$200,622Average Assets, quarterly
$417,855Volatile liabilities
$441,238Insider loans
$351,590FHLB advances
$434,772Loans and leases held for sale
$2,270Unused loan commitments
$2,270Tier 1 (core) risk-based capital
$37,980Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$29,423Restructured Loans and leases
$5,837Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$19,711Total interest income
$6,103Total interest expense
$13,608Net interest income
$888Provision for loan and lease losses
$2,667Total noninterest income
$0Fiduciary activities
$556Service charges on deposit accounts
$0Trading account gains & fees
$2,111Additional noninterest income
$8,334Total noninterest expense
$3,665Salaries and employee benefits
$684Premises and equipment expense
$3,985Additional noninterest expense
$7,053Pre-tax net operating income
$0Securities gains (losses)
$514Applicable income taxes
$6,539Income before extraordinary items
$0Extraordinary gains - net
$6,539Net income attributable to bank
$0Net charge-offs
$6,539Cash dividends
$38Sale, conversion, retirement of capital stock, net
$4,127Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.01%Yield on earning assets
1.55%Cost of funding earning assets
3.46%Net interest margin
0.68%Noninterest income to earning assets
2.12%Noninterest expense to earning assets
1.56%Net operating income to assets
1.56%Return on assets (ROA)
1.69%Pretax return on assets
16.85%Return on equity (ROE)
6.21%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
2336.84%Credit loss provision to net charge-offs
208.97%Efficiency ratio
51,207Assets per employee
8.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.11%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
1855.90%Noncurrent assets plus other real estate owned to assets
0.65%Noncurrent loans to loans
0.07%Net loans and leases to deposits
88.69%Net loans and leases to core deposits
164.09%Equity capital to assets
9.36%Core capital (leverage) ratio
8.74%Tier 1 risk-based capital ratio
10.80%Total risk-based capital ratio
Memoranda
$12Average assets
$417,855Average earning assets
$38,814Average equity
$393,081Average loans

Total Fiduciary and Related Assets (December 31, 2010)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$273Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee 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
37Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$273Other retirement accounts
$273Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	202	Luana Savings Bank	100 Harvest Drive, Luana, IA 52156	August 01, 1908	Full Service Brick and Mortar
1	366311	Ossian Branch	123 East Main Street, Ossian, IA 52161	Febuary 10, 2003	Full Service Brick and Mortar
2	2961	New Hampton Branch	22 West Main Street, New Hampton, IA 50659	January 01, 1869	Full Service Brick and Mortar
3	431418	Polk City Branch	755 West Bridge Road, Polk City, IA 50226	July 21, 2004	Full Service Brick and Mortar

Luana Savings Bank in Luana, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Luana Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2010)

List of branches

Comment about this bank, ask questions, or add new information about it:

Luana Savings Bank in Luana, Iowa (IA)Overview, Financial Summary, Detailed Financial Reports, Branches

Luana Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2010)

List of branches

Comment about this bank, ask questions, or add new information about it:

Luana Savings Bank in Luana, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches