Pocahontas State Bank in city_name, state_name - Detailed Financial Reports, Location

Pocahontas State Bank in Pocahontas, Iowa (IA)
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Pocahontas State Bank routing number info

Pocahontas State Bank - Overview

General
FDIC Certificate #: 234
Status: Active
Federal Reserve ID: 402846
Bank Holding Company (Regulatory Top Holder): Dentel Bancorporation (RSSDID: 1133615, Location: Victor, IA)
Date Established: July 01, 1926
WWW: http://www.pocahontasstatebank.net
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 187
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: 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: 223 North Main Street, Pocahontas, IA 50574
County: Pocahontas
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Des Moines
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: $85.7 mil
Equity capital: $15.4 mil
Deposits held in domestic offices: $69.6 mil
Return on assets (ROA): 3.01% ($2.6 mil)
Quarterly return on assets: 3.09% ($2.7 mil)
Return on Equity (ROE): 17.76% ($2.7 mil)
Quarterly return on equity: 17.64% ($2.6 mil)
Net income: $2.5 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 3.13% ($2,683.4 mil)
Quarterly Pretax return on assets: 3.25% ($2,786.3 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
9Total employees (full-time equivalent)
$85,731Total assets
$4,305Cash and due from depository institutions
$1,094Interest-bearing balances
$44,130Securities
$0Federal funds sold & reverse repurchase agreements
$32,441Net loans & leases
$211Loan loss allowance
$0Trading account assets
$608Bank premises and fixed assets
$0Other real estate owned
$2,481Goodwill and other intangibles
$85,731Life insurance assets
$1,766All other assets
$70,375Total liabilities and capital
$69,587Total liabilities
$60,915Total deposits
$69,587Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$394Trading liabilities
$0Other borrowed funds
$394Subordinated debt
$15,356All other liabilities
$15,356Total equity capital
$15,356Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$6,207Surplus
$8,949Undivided 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
$1,155Long-term assets (5+ years)
$77,665Average Assets, year-to-date
$46,481Average Assets, quarterly
$82,547Volatile liabilities
$85,950Insider loans
$48,835FHLB advances
$83,571Loans and leases held for sale
$330Unused loan commitments
$330Tier 1 (core) risk-based capital
$11,114Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,849Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,876Total interest income
$693Total interest expense
$3,183Net interest income
$0Provision for loan and lease losses
$102Total noninterest income
$4Fiduciary activities
$77Service charges on deposit accounts
$0Trading account gains & fees
$21Additional noninterest income
$760Total noninterest expense
$507Salaries and employee benefits
$69Premises and equipment expense
$184Additional noninterest expense
$2,525Pre-tax net operating income
$60Securities gains (losses)
$102Applicable income taxes
$2,483Income before extraordinary items
$0Extraordinary gains - net
$2,483Net income attributable to bank
$0Net charge-offs
$2,483Cash dividends
$0Sale, conversion, retirement of capital stock, net
$2,100Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.19%Yield on earning assets
0.93%Cost of funding earning assets
4.26%Net interest margin
0.14%Noninterest income to earning assets
1.02%Noninterest expense to earning assets
2.94%Net operating income to assets
3.01%Return on assets (ROA)
3.13%Pretax return on assets
17.76%Return on equity (ROE)
2.74%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
23,135Assets per employee
9.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
84.58%Loss allowance to loans
0.65%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
46.62%Net loans and leases to core deposits
51.93%Equity capital to assets
17.91%Core capital (leverage) ratio
13.30%Tier 1 risk-based capital ratio
22.76%Total risk-based capital ratio
Memoranda
$23Average assets
$82,547Average earning assets
$13,979Average equity
$74,753Average 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
$2,964Managed 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
49Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$2,964Other retirement accounts
$2,964Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

3 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	187	Pocahontas State Bank	223 North Main Street, Pocahontas, IA 50574	July 01, 1926	Full Service Brick and Mortar
1	2946	11 West Elm Branch	11 West Elm Avenue, Pocahontas, IA 50574	December 23, 1902	Full Service Brick and Mortar
2	11582	Palmer Branch	528 Hansen Avenue, Palmer, IA 50571	May 15, 1937	Full Service Brick and Mortar

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

Pocahontas State 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, 2011)

List of branches

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

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

Pocahontas State 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, 2011)

List of branches

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

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