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

The State Bank of Toledo - Overview

  • General
  • FDIC Certificate #: 4514
    Status: Active
    Federal Reserve ID: 490348
    Bank Holding Company (Regulatory Top Holder): Tama County Abstract Company (RSSDID: 1200179, Location: Toledo, IA)
    Date Established: January 01, 1927
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 13211
    FDIC's unique #: 2983
    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: 100 East High, Toledo, IA 52342
    County: Tama
    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: $105.2 mil
    Equity capital: $8.2 mil
    Deposits held in domestic offices: $92.7 mil
    Return on assets (ROA): 1.01% ($1.1 mil)
    Quarterly return on assets: 0.21% ($0.2 mil)
    Return on Equity (ROE): 12.74% ($1.0 mil)
    Quarterly return on equity: 2.60% ($0.2 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.07% ($1,126.1 mil)
    Quarterly Pretax return on assets: 0.19% ($200.0 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
  • 21Total employees (full-time equivalent)
  • $105,243Total assets
  • $11,871Cash and due from depository institutions
  • $8,915Interest-bearing balances
  • $13,788Securities
  • $2,208Federal funds sold & reverse repurchase agreements
  • $73,055Net loans & leases
  • $822Loan loss allowance
  • $0Trading account assets
  • $1,372Bank premises and fixed assets
  • $236Other real estate owned
  • $0Goodwill and other intangibles
  • $105,243Life insurance assets
  • $2,713All other assets
  • $97,071Total liabilities and capital
  • $92,730Total liabilities
  • $66,281Total deposits
  • $92,730Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $341Subordinated debt
  • $8,172All other liabilities
  • $8,172Total equity capital
  • $8,172Total bank equity capital
  • $0Perpetual preferred stock
  • $480Common stock
  • $2,520Surplus
  • $5,172Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $611Income earned, not collected on loans
  • $0Earning assets
  • $774Long-term assets (5+ years)
  • $97,966Average Assets, year-to-date
  • $8,789Average Assets, quarterly
  • $102,793Volatile liabilities
  • $104,519Insider loans
  • $77,911FHLB advances
  • $102,193Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,650Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,758Restructured Loans and leases
  • $5,174Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,618Total interest income
  • $865Total interest expense
  • $3,753Net interest income
  • $60Provision for loan and lease losses
  • $584Total noninterest income
  • $1Fiduciary activities
  • $202Service charges on deposit accounts
  • $0Trading account gains & fees
  • $381Additional noninterest income
  • $3,181Total noninterest expense
  • $1,607Salaries and employee benefits
  • $673Premises and equipment expense
  • $901Additional noninterest expense
  • $1,096Pre-tax net operating income
  • $0Securities gains (losses)
  • $54Applicable income taxes
  • $1,042Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,042Net income attributable to bank
  • $0Net charge-offs
  • $1,042Cash dividends
  • $87Sale, conversion, retirement of capital stock, net
  • $864Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 12.74%Return on equity (ROE)
  • 2.18%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 68.97%Credit loss provision to net charge-offs
  • 13.29%Efficiency ratio
  • 73,346Assets per employee
  • 5.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.92%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 134.53%Noncurrent assets plus other real estate owned to assets
  • 0.80%Noncurrent loans to loans
  • 0.83%Net loans and leases to deposits
  • 78.78%Net loans and leases to core deposits
  • 82.92%Equity capital to assets
  • 7.76%Core capital (leverage) ratio
  • 7.49%Tier 1 risk-based capital ratio
  • 9.82%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $102,793Average earning assets
  • $8,177Average equity
  • $95,881Average 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
  • $11,111Managed Assets
  • 1Number of Accounts
  • $130Personal trust and agency accounts
  • $130Employee 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
  • 320Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $10,981Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $10,981Fiduciary accounts held in foreign offices

List of branches

  • 2 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02983The State Bank Of Toledo100 East High, Toledo, IA 52342January 01, 1927Full Service Brick and Mortar
    1203770South Branch1003 S County Rd, Toledo, IA 52342August 07, 1978Full Service Brick and Mortar

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