Page County Federal Savings Association - Overview
General
FDIC Certificate #: 30067 Status: Active Federal Reserve ID: 843476 Date Established: January 01, 1897 WWW:http://www.pcfsa.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 4676 FDIC's unique #: 42901 Numeric code: 38 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: June 12, 1967 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 123 East Main Street, Clarinda, IA 51632 County: Page 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
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $39.9 mil Equity capital: $5.1 mil Deposits held in domestic offices: $34.3 mil Return on assets (ROA): -0.03% (-$0.0 mil) Quarterly return on assets: 0.38% ($0.2 mil) Return on Equity (ROE): -0.26% (-$0.0 mil) Quarterly return on equity: 3.01% ($0.2 mil) Net income: -$0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.06% ($24.0 mil) Quarterly Pretax return on assets: 0.25% ($99.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$39,931Total assets
$6,640Cash and due from depository institutions
$6,046Interest-bearing balances
$6,424Securities
$1,632Federal funds sold & reverse repurchase agreements
$22,520Net loans & leases
$253Loan loss allowance
$0Trading account assets
$509Bank premises and fixed assets
$311Other real estate owned
$0Goodwill and other intangibles
$39,931Life insurance assets
$1,895All other assets
$34,858Total liabilities and capital
$34,344Total liabilities
$33,143Total deposits
$34,344Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$514Subordinated debt
$5,073All other liabilities
$5,073Total equity capital
$5,073Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$5,073Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,087Income earned, not collected on loans
$0Earning assets
$97Long-term assets (5+ years)
$36,622Average Assets, year-to-date
$0Average Assets, quarterly
$39,780Volatile liabilities
$40,297Insider loans
$19,553FHLB advances
$39,860Loans and leases held for sale
$1,368Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,002Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$551Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,544Total interest income
$364Total interest expense
$1,180Net interest income
$145Provision for loan and lease losses
$122Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$122Additional noninterest income
$1,133Total noninterest expense
$591Salaries and employee benefits
$269Premises and equipment expense
$273Additional noninterest expense
$24Pre-tax net operating income
$0Securities gains (losses)
$37Applicable income taxes
-$13Income before extraordinary items
$0Extraordinary gains - net
-$13Net income attributable to bank
$0Net charge-offs
-$13Cash dividends
$156Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.23%Yield on earning assets
1.00%Cost of funding earning assets
3.23%Net interest margin
0.33%Noninterest income to earning assets
3.11%Noninterest expense to earning assets
-0.03%Net operating income to assets
-0.03%Return on assets (ROA)
0.06%Pretax return on assets
-0.26%Return on equity (ROE)
-0.26%Retained earnings to average equity (YTD only)
0.68%Net charge-offs to loans
92.95%Credit loss provision to net charge-offs
1.08%Efficiency ratio
87,020Assets per employee
6.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.11%Loss allowance to noncurrent loans
23.28%Noncurrent assets plus other real estate owned to assets
3.50%Noncurrent loans to loans
4.77%Net loans and leases to deposits
65.57%Net loans and leases to core deposits
74.24%Equity capital to assets
12.70%Core capital (leverage) ratio
12.55%Tier 1 risk-based capital ratio
25.58%Total risk-based capital ratio
Memoranda
$27Average assets
$39,780Average earning assets
$5,029Average equity
$36,477Average loans
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42901
Page County Federal Savings Associat
123 East Main Street, Clarinda, IA 51632
January 01, 1897
Full Service Brick and Mortar
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