FDIC Certificate #: 11351 Status: Active Federal Reserve ID: 591740 Bank Holding Company (Regulatory Top Holder): Country Bancorporation (RSSDID: 1203910, Location: Crawfordsville, IA) Date Established: March 20, 1928 WWW:http://www.riverside-bank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7252 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 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: 90 East Railroad Street, Riverside, IA 52327 County: Washington 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 Core Based Statistical Area (CBSA): Iowa City, IA (#26980) CBSA Metro Statistical Area: Iowa City, IA (#26980)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $23.9 mil Equity capital: $2.1 mil Deposits held in domestic offices: $21.4 mil Return on assets (ROA): 1.20% ($0.3 mil) Quarterly return on assets: 0.99% ($0.2 mil) Return on Equity (ROE): 14.30% ($0.3 mil) Quarterly return on equity: 11.13% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.60% ($382.5 mil) Quarterly Pretax return on assets: 1.29% ($308.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
4Total employees (full-time equivalent)
$23,908Total assets
$4,403Cash and due from depository institutions
$3,985Interest-bearing balances
$12,428Securities
$0Federal funds sold & reverse repurchase agreements
$6,670Net loans & leases
$82Loan loss allowance
$0Trading account assets
$176Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$23,908Life insurance assets
$231All other assets
$21,777Total liabilities and capital
$21,391Total liabilities
$13,135Total deposits
$21,391Interest-bearing deposits
$86Deposits held in domestic offices
225.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$161Subordinated debt
$2,131All other liabilities
$2,131Total equity capital
$2,131Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$500Surplus
$1,581Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$171Long-term assets (5+ years)
$23,083Average Assets, year-to-date
$10,001Average Assets, quarterly
$24,317Volatile liabilities
$23,932Insider loans
$12,043FHLB advances
$24,524Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,003Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,063Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$943Total interest income
$184Total interest expense
$759Net interest income
$0Provision for loan and lease losses
$108Total noninterest income
$1Fiduciary activities
$85Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$481Total noninterest expense
$273Salaries and employee benefits
$76Premises and equipment expense
$132Additional noninterest expense
$386Pre-tax net operating income
$2Securities gains (losses)
$97Applicable income taxes
$291Income before extraordinary items
$0Extraordinary gains - net
$291Net income attributable to bank
$0Net charge-offs
$291Cash dividends
$0Sale, conversion, retirement of capital stock, net
$200Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.01%Yield on earning assets
0.78%Cost of funding earning assets
3.23%Net interest margin
0.46%Noninterest income to earning assets
2.05%Noninterest expense to earning assets
1.19%Net operating income to assets
1.20%Return on assets (ROA)
1.60%Pretax return on assets
14.30%Return on equity (ROE)
4.47%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
55,479Assets per employee
5.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
68.73%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
31.18%Net loans and leases to core deposits
31.18%Equity capital to assets
8.91%Core capital (leverage) ratio
8.17%Tier 1 risk-based capital ratio
16.63%Total risk-based capital ratio
Memoranda
$17Average assets
$24,317Average earning assets
$2,034Average equity
$23,510Average 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
$399Managed Assets
1Number of Accounts
$68Personal trust and agency accounts
$68Employee 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
7Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$331Other retirement accounts
$12Corporate trust and agency accounts
$0Other fiduciary accounts
$319Fiduciary accounts held in foreign offices
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7252
Peoples Trust And Savings Bank
90 East Railroad Street, Riverside, IA 52327
March 20, 1928
Full Service Brick and Mortar
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