Malvern Trust & Savings Bank in Malvern, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Malvern Trust & Savings Bank in Malvern, Iowa (IA)
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Malvern Trust & Savings Bank - Overview

  • General
  • FDIC Certificate #: 14230
    Status: Active
    Federal Reserve ID: 756343
    Bank Holding Company (Regulatory Top Holder): Malvern Bancshares, Inc. (RSSDID: 3070415, Location: Malvern, IA)
    Date Established: January 01, 1892
    WWW: http://www.malvernbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 8886
    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: April 10, 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: 404 Main Street, Malvern, IA 51551
    County: Mills
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
    Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
    CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $58.9 mil
    Equity capital: $5.9 mil
    Deposits held in domestic offices: $52.9 mil
    Return on assets (ROA): 1.15% ($0.7 mil)
    Quarterly return on assets: 1.49% ($0.9 mil)
    Return on Equity (ROE): 11.71% ($0.7 mil)
    Quarterly return on equity: 15.04% ($0.9 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.20% ($707.3 mil)
    Quarterly Pretax return on assets: 1.55% ($913.5 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
  • 12Total employees (full-time equivalent)
  • $58,938Total assets
  • $6,580Cash and due from depository institutions
  • $3,197Interest-bearing balances
  • $950Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $48,710Net loans & leases
  • $496Loan loss allowance
  • $0Trading account assets
  • $237Bank premises and fixed assets
  • $313Other real estate owned
  • $0Goodwill and other intangibles
  • $58,938Life insurance assets
  • $2,148All other assets
  • $53,087Total liabilities and capital
  • $52,908Total liabilities
  • $44,052Total deposits
  • $52,908Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $179Subordinated debt
  • $5,851All other liabilities
  • $5,851Total equity capital
  • $5,851Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,300Surplus
  • $4,351Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $41Income earned, not collected on loans
  • $0Earning assets
  • $778Long-term assets (5+ years)
  • $52,857Average Assets, year-to-date
  • $9,721Average Assets, quarterly
  • $57,164Volatile liabilities
  • $58,174Insider loans
  • $53,385FHLB advances
  • $60,337Loans and leases held for sale
  • $1,090Unused loan commitments
  • $1,090Tier 1 (core) risk-based capital
  • $5,836Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,800Restructured Loans and leases
  • $32Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,500Total interest income
  • $513Total interest expense
  • $1,987Net interest income
  • $0Provision for loan and lease losses
  • $124Total noninterest income
  • $0Fiduciary activities
  • $35Service charges on deposit accounts
  • $0Trading account gains & fees
  • $89Additional noninterest income
  • $1,427Total noninterest expense
  • $983Salaries and employee benefits
  • $135Premises and equipment expense
  • $309Additional noninterest expense
  • $684Pre-tax net operating income
  • $2Securities gains (losses)
  • $27Applicable income taxes
  • $659Income before extraordinary items
  • $0Extraordinary gains - net
  • $659Net income attributable to bank
  • $0Net charge-offs
  • $659Cash dividends
  • $21Sale, conversion, retirement of capital stock, net
  • $271Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 3.89%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 11.71%Return on equity (ROE)
  • 6.90%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 32.57%Efficiency ratio
  • 67,598Assets per employee
  • 4.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.12%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 1209.76%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 92.07%Net loans and leases to core deposits
  • 98.59%Equity capital to assets
  • 9.93%Core capital (leverage) ratio
  • 9.67%Tier 1 risk-based capital ratio
  • 10.93%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $57,164Average earning assets
  • $5,627Average equity
  • $51,070Average loans

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08886Malvern Trust & Savings Bank404 Main Street, Malvern, IA 51551January 01, 1892Full Service Brick and Mortar

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