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


Titonka Savings Bank - Overview

  • General
  • FDIC Certificate #: 17302
    Status: Active
    Federal Reserve ID: 334648
    Bank Holding Company (Regulatory Top Holder): Titonka Bancshares, Inc. (RSSDID: 1209837, Location: Titonka, IA)
    Date Established: January 01, 1916
    WWW: http://www.tsbbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 11316
    Numeric code: 13
    Regulator: FED
    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: January 04, 1954
    Last Structure Change Effective Date: September 30, 2007
    Last Structure Change Process Date: August 08, 2008
    Last Data Update: August 08, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 173 Main Street North, Titonka, IA 50480
    County: Kossuth
    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
  • Change in Location
  • Financial Summary
  • Total assets: $151.7 mil
    Equity capital: $17.0 mil
    Deposits held in domestic offices: $129.9 mil
    Return on assets (ROA): 0.82% ($1.2 mil)
    Quarterly return on assets: 1.51% ($2.3 mil)
    Return on Equity (ROE): 7.98% ($1.4 mil)
    Quarterly return on equity: 13.58% ($2.3 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.08% ($1,637.8 mil)
    Quarterly Pretax return on assets: 2.16% ($3,275.7 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
  • 38Total employees (full-time equivalent)
  • $151,652Total assets
  • $3,524Cash and due from depository institutions
  • $22Interest-bearing balances
  • $77,891Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $62,057Net loans & leases
  • $1,522Loan loss allowance
  • $0Trading account assets
  • $4,881Bank premises and fixed assets
  • $382Other real estate owned
  • $424Goodwill and other intangibles
  • $151,652Life insurance assets
  • $2,493All other assets
  • $134,649Total liabilities and capital
  • $129,917Total liabilities
  • $110,327Total deposits
  • $129,917Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 3360.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,372Subordinated debt
  • $17,003All other liabilities
  • $17,003Total equity capital
  • $17,003Total bank equity capital
  • $0Perpetual preferred stock
  • $480Common stock
  • $7,520Surplus
  • $9,003Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $226Income earned, not collected on loans
  • $0Earning assets
  • $1,274Long-term assets (5+ years)
  • $139,970Average Assets, year-to-date
  • $72,721Average Assets, quarterly
  • $149,727Volatile liabilities
  • $152,222Insider loans
  • $81,586FHLB advances
  • $151,045Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,632Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,460Restructured Loans and leases
  • $209Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,900Total interest income
  • $1,153Total interest expense
  • $4,747Net interest income
  • $250Provision for loan and lease losses
  • $636Total noninterest income
  • $45Fiduciary activities
  • $381Service charges on deposit accounts
  • $0Trading account gains & fees
  • $210Additional noninterest income
  • $4,098Total noninterest expense
  • $2,173Salaries and employee benefits
  • $702Premises and equipment expense
  • $1,223Additional noninterest expense
  • $1,035Pre-tax net operating income
  • $582Securities gains (losses)
  • $387Applicable income taxes
  • $1,230Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,230Net income attributable to bank
  • $0Net charge-offs
  • $1,230Cash dividends
  • $12Sale, conversion, retirement of capital stock, net
  • $750Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.29%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.45%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 0.53%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 7.98%Return on equity (ROE)
  • 3.12%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 2083.33%Credit loss provision to net charge-offs
  • 107.08%Efficiency ratio
  • 74,475Assets per employee
  • 3.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.98%Loss allowance to loans
  • 2.39%Loss allowance to noncurrent loans
  • 673.45%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 47.77%Net loans and leases to core deposits
  • 49.04%Equity capital to assets
  • 11.21%Core capital (leverage) ratio
  • 9.69%Tier 1 risk-based capital ratio
  • 17.93%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $149,727Average earning assets
  • $15,405Average equity
  • $137,443Average 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
  • $17,124Managed Assets
  • 1Number of Accounts
  • $14,357Personal trust and agency accounts
  • $6,035Employee 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
  • $8,322Non-managed Assets
  • 107Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,767Other retirement accounts
  • $585Corporate trust and agency accounts
  • $2,014Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011316Titonka Savings Bank173 Main Street North, Titonka, IA 50480January 01, 1916Full Service Brick and Mortar
    239179Forest City Branch101 Highway 69 N, Forest City, IA 50436May 06, 1988Full Service Brick and Mortar
    3280129Thompson Branch11723 Hwy 9, Thompson, IA 50478Febuary 13, 1998Full Service Brick and Mortar

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