Maquoketa State Bank in Maquoketa, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Maquoketa State Bank - Overview

  • General
  • FDIC Certificate #: 17903
    Status: Active
    Federal Reserve ID: 683449
    Bank Holding Company (Regulatory Top Holder): Ohnward Bancshares, Inc. (RSSDID: 1200311, Location: Maquoketa, IA)
    Date Established: September 02, 1958
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9612
    FDIC's unique #: 11842
    Numeric code: 13
    Regulator: FED
    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: September 02, 1958
    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: 203 North Main Street, Maquoketa, IA 52060
    County: Jackson
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $299.8 mil
    Equity capital: $39.5 mil
    Deposits held in domestic offices: $221.8 mil
    Return on assets (ROA): 1.24% ($3.7 mil)
    Quarterly return on assets: 1.27% ($3.8 mil)
    Return on Equity (ROE): 9.78% ($3.9 mil)
    Quarterly return on equity: 9.71% ($3.9 mil)
    Net income: $3.6 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.57% ($4,706.8 mil)
    Quarterly Pretax return on assets: 1.60% ($4,796.7 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
  • 62Total employees (full-time equivalent)
  • $299,794Total assets
  • $21,765Cash and due from depository institutions
  • $19,519Interest-bearing balances
  • $99,721Securities
  • $3,000Federal funds sold & reverse repurchase agreements
  • $162,570Net loans & leases
  • $2,672Loan loss allowance
  • $0Trading account assets
  • $1,456Bank premises and fixed assets
  • $550Other real estate owned
  • $0Goodwill and other intangibles
  • $299,794Life insurance assets
  • $10,732All other assets
  • $260,288Total liabilities and capital
  • $221,753Total liabilities
  • $191,436Total deposits
  • $221,753Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 16976.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,337Trading liabilities
  • $0Other borrowed funds
  • $2,222Subordinated debt
  • $39,506All other liabilities
  • $39,506Total equity capital
  • $39,506Total bank equity capital
  • $0Perpetual preferred stock
  • $875Common stock
  • $3,125Surplus
  • $35,506Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,302Income earned, not collected on loans
  • $13Earning assets
  • $2,116Long-term assets (5+ years)
  • $284,810Average Assets, year-to-date
  • $70,443Average Assets, quarterly
  • $295,369Volatile liabilities
  • $299,881Insider loans
  • $194,800FHLB advances
  • $302,901Loans and leases held for sale
  • $4,573Unused loan commitments
  • $1,694Tier 1 (core) risk-based capital
  • $37,391Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,879Total unused commitments
  • $52,470Restructured Loans and leases
  • $4,026Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,163Total interest income
  • $4,011Total interest expense
  • $9,152Net interest income
  • $570Provision for loan and lease losses
  • $2,262Total noninterest income
  • $606Fiduciary activities
  • $482Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,174Additional noninterest income
  • $6,211Total noninterest expense
  • $3,720Salaries and employee benefits
  • $511Premises and equipment expense
  • $1,980Additional noninterest expense
  • $4,633Pre-tax net operating income
  • $5Securities gains (losses)
  • $988Applicable income taxes
  • $3,650Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,650Net income attributable to bank
  • $0Net charge-offs
  • $3,650Cash dividends
  • $395Sale, conversion, retirement of capital stock, net
  • $837Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 3.26%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 2.21%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.57%Pretax return on assets
  • 9.78%Return on equity (ROE)
  • 7.54%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 144.30%Credit loss provision to net charge-offs
  • 13.17%Efficiency ratio
  • 54,416Assets per employee
  • 4.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.93%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 116.07%Noncurrent assets plus other real estate owned to assets
  • 0.95%Noncurrent loans to loans
  • 1.39%Net loans and leases to deposits
  • 73.31%Net loans and leases to core deposits
  • 75.43%Equity capital to assets
  • 13.18%Core capital (leverage) ratio
  • 12.34%Tier 1 risk-based capital ratio
  • 19.19%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $295,369Average earning assets
  • $37,310Average equity
  • $280,893Average 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
  • $68,847Managed Assets
  • 1Number of Accounts
  • $55,536Personal trust and agency accounts
  • $24,120Employee benefit-defined contribution accounts
  • $14,046Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $7,252Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $10,118Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 241Number of Accounts
  • $0Personal trust and agency accounts
  • $7,252Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $13,311Other retirement accounts
  • $0Corporate trust and agency accounts
  • $9,539Other fiduciary accounts
  • $2,223Fiduciary accounts held in foreign offices

List of branches

  • 4 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011842Maquoketa State Bank203 North Main Street, Maquoketa, IA 52060September 02, 1958Full Service Brick and Mortar
    1243119Westside Office112 Mckinsey Dr, Maquoketa, IA 52060March 31, 1980Full Service Brick and Mortar
    2359030Andrew Branch16 West Benton, Andrew, IA 52030December 11, 2000Full Service Brick and Mortar
    3420386Preston Branch131 West Gillet Streeet, Preston, IA 52069November 01, 2002Full Service Brick and Mortar

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