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


  • Pocahontas State Bank in Pocahontas, Iowa (IA)
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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
  • NoIDNameAddressEstablishedService TypeMap
    0187Pocahontas State Bank223 North Main Street, Pocahontas, IA 50574July 01, 1926Full Service Brick and Mortar
    1294611 West Elm Branch11 West Elm Avenue, Pocahontas, IA 50574December 23, 1902Full Service Brick and Mortar
    211582Palmer Branch528 Hansen Avenue, Palmer, IA 50571May 15, 1937Full Service Brick and Mortar

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