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


State Bank of Schaller - Overview

  • General
  • FDIC Certificate #: 13931
    Status: Active
    Federal Reserve ID: 534242
    Bank Holding Company (Regulatory Top Holder): Century Bancshares, Inc. (RSSDID: 2598118, Location: Schaller, IA)
    Date Established: January 01, 1898
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 8715
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: Febuary 24, 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: 100 West Second, Schaller, IA 51053
    County: Sac
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux City
    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: $25.8 mil
    Equity capital: $2.7 mil
    Deposits held in domestic offices: $21.6 mil
    Return on assets (ROA): 1.64% ($0.4 mil)
    Quarterly return on assets: 1.58% ($0.4 mil)
    Return on Equity (ROE): 15.72% ($0.5 mil)
    Quarterly return on equity: 14.64% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 2.07% ($534.6 mil)
    Quarterly Pretax return on assets: 2.04% ($526.8 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
  • 7Total employees (full-time equivalent)
  • $25,824Total assets
  • $990Cash and due from depository institutions
  • $398Interest-bearing balances
  • $16,288Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $8,086Net loans & leases
  • $221Loan loss allowance
  • $0Trading account assets
  • $3Bank premises and fixed assets
  • $71Other real estate owned
  • $0Goodwill and other intangibles
  • $25,824Life insurance assets
  • $386All other assets
  • $23,090Total liabilities and capital
  • $21,563Total liabilities
  • $18,926Total deposits
  • $21,563Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1400.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $127Subordinated debt
  • $2,734All other liabilities
  • $2,734Total equity capital
  • $2,734Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $500Surplus
  • $2,034Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $128Income earned, not collected on loans
  • $0Earning assets
  • $221Long-term assets (5+ years)
  • $24,772Average Assets, year-to-date
  • $9,086Average Assets, quarterly
  • $25,737Volatile liabilities
  • $25,899Insider loans
  • $13,262FHLB advances
  • $26,110Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,686Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $938Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,066Total interest income
  • $189Total interest expense
  • $877Net interest income
  • $20Provision for loan and lease losses
  • $450Total noninterest income
  • $66Fiduciary activities
  • $62Service charges on deposit accounts
  • $0Trading account gains & fees
  • $322Additional noninterest income
  • $773Total noninterest expense
  • $373Salaries and employee benefits
  • $73Premises and equipment expense
  • $327Additional noninterest expense
  • $534Pre-tax net operating income
  • $0Securities gains (losses)
  • $112Applicable income taxes
  • $422Income before extraordinary items
  • $0Extraordinary gains - net
  • $422Net income attributable to bank
  • $0Net charge-offs
  • $422Cash dividends
  • -$40Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.63%Net interest margin
  • 1.86%Noninterest income to earning assets
  • 3.20%Noninterest expense to earning assets
  • 1.64%Net operating income to assets
  • 1.64%Return on assets (ROA)
  • 2.07%Pretax return on assets
  • 15.72%Return on equity (ROE)
  • 8.27%Retained earnings to average equity (YTD only)
  • -0.50%Net charge-offs to loans
  • -50.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 58,252Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.39%Loss allowance to loans
  • 2.66%Loss allowance to noncurrent loans
  • 172.66%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 1.54%Net loans and leases to deposits
  • 37.50%Net loans and leases to core deposits
  • 38.50%Equity capital to assets
  • 10.59%Core capital (leverage) ratio
  • 10.29%Tier 1 risk-based capital ratio
  • 20.25%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $25,737Average earning assets
  • $2,684Average equity
  • $24,174Average 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
  • $20,383Managed Assets
  • 1Number of Accounts
  • $20,383Personal trust and agency accounts
  • $20,272Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $59Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $52Non-managed Assets
  • 27Number 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
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08715State Bank Of Schaller100 West Second, Schaller, IA 51053January 01, 1898Full Service Brick and Mortar

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