Rowley Savings Bank in Rowley, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Rowley Savings Bank - Overview

  • General
  • FDIC Certificate #: 9102
    Status: Active
    Federal Reserve ID: 297547
    Bank Holding Company (Regulatory Top Holder): Shields Agency, Inc. (RSSDID: 1201701, Location: Rowley, IA)
    Date Established: January 01, 1914
    WWW: http://www.rowleysavingsbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 5829
    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: Yes
    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: 114 Ely Street, Rowley, IA 52329
    County: Buchanan
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $14.3 mil
    Equity capital: $1.1 mil
    Deposits held in domestic offices: $13.1 mil
    Return on assets (ROA): 0.26% ($0.0 mil)
    Quarterly return on assets: 1.16% ($0.2 mil)
    Return on Equity (ROE): 3.23% ($0.0 mil)
    Quarterly return on equity: 14.86% ($0.1 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.28% ($39.9 mil)
    Quarterly Pretax return on assets: 1.19% ($169.8 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
  • 5Total employees (full-time equivalent)
  • $14,265Total assets
  • $7,153Cash and due from depository institutions
  • $6,817Interest-bearing balances
  • $29Securities
  • $1,200Federal funds sold & reverse repurchase agreements
  • $5,493Net loans & leases
  • $118Loan loss allowance
  • $0Trading account assets
  • $207Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $14,265Life insurance assets
  • $183All other assets
  • $13,152Total liabilities and capital
  • $13,115Total liabilities
  • $10,657Total deposits
  • $13,115Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $37Subordinated debt
  • $1,113All other liabilities
  • $1,113Total equity capital
  • $1,113Total bank equity capital
  • $0Perpetual preferred stock
  • $90Common stock
  • $910Surplus
  • $113Undivided 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
  • $38Long-term assets (5+ years)
  • $13,539Average Assets, year-to-date
  • $3,018Average Assets, quarterly
  • $13,810Volatile liabilities
  • $14,119Insider loans
  • $6,213FHLB advances
  • $14,677Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,113Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $326Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $456Total interest income
  • $40Total interest expense
  • $416Net interest income
  • $7Provision for loan and lease losses
  • $80Total noninterest income
  • $0Fiduciary activities
  • $72Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8Additional noninterest income
  • $451Total noninterest expense
  • $234Salaries and employee benefits
  • $62Premises and equipment expense
  • $155Additional noninterest expense
  • $38Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • $36Income before extraordinary items
  • $0Extraordinary gains - net
  • $36Net income attributable to bank
  • $0Net charge-offs
  • $36Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $58Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.49%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 3.18%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.26%Return on assets (ROA)
  • 0.28%Pretax return on assets
  • 3.23%Return on equity (ROE)
  • -1.97%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
  • 90,927Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 161.11%Loss allowance to loans
  • 2.10%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
  • 41.88%Net loans and leases to core deposits
  • 42.76%Equity capital to assets
  • 7.80%Core capital (leverage) ratio
  • 7.58%Tier 1 risk-based capital ratio
  • 17.91%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $13,810Average earning assets
  • $1,115Average equity
  • $13,080Average 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
  • $21Managed 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
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $21Other retirement accounts
  • $21Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05829Rowley Savings Bank114 Ely Street, Rowley, IA 52329January 01, 1914Full Service Brick and Mortar

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