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


Treynor State Bank - Overview

  • General
  • FDIC Certificate #: 14812
    Status: Active
    Federal Reserve ID: 552545
    Bank Holding Company (Regulatory Top Holder): Treynor Bancshares, Inc. (RSSDID: 1207785, Location: Treynor, IA)
    Date Established: June 01, 1923
    WWW: http://www.tsbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 9269
    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: October 16, 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: 15 East Main Street, Treynor, IA 51575
    County: Pottawattamie
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Omaha, NE-IA (#5920)
    Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
    Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
    CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $219.8 mil
    Equity capital: $18.8 mil
    Deposits held in domestic offices: $167.1 mil
    Return on assets (ROA): 2.14% ($4.7 mil)
    Quarterly return on assets: 1.23% ($2.7 mil)
    Return on Equity (ROE): 26.18% ($5.0 mil)
    Quarterly return on equity: 14.12% ($2.7 mil)
    Net income: $4.5 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 2.73% ($6,001.0 mil)
    Quarterly Pretax return on assets: 1.51% ($3,319.2 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
  • 55Total employees (full-time equivalent)
  • $219,816Total assets
  • $3,180Cash and due from depository institutions
  • $76Interest-bearing balances
  • $112,929Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $89,477Net loans & leases
  • $885Loan loss allowance
  • $1,553Trading account assets
  • $2,327Bank premises and fixed assets
  • $390Other real estate owned
  • $42Goodwill and other intangibles
  • $219,816Life insurance assets
  • $9,918All other assets
  • $201,056Total liabilities and capital
  • $167,055Total liabilities
  • $146,284Total deposits
  • $167,055Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 5470.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $26,150Trading liabilities
  • $0Other borrowed funds
  • $2,381Subordinated debt
  • $18,760All other liabilities
  • $18,760Total equity capital
  • $18,760Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $8,700Surplus
  • $9,960Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $978Income earned, not collected on loans
  • $0Earning assets
  • $1,589Long-term assets (5+ years)
  • $204,035Average Assets, year-to-date
  • $120,730Average Assets, quarterly
  • $212,029Volatile liabilities
  • $218,467Insider loans
  • $119,902FHLB advances
  • $216,792Loans and leases held for sale
  • $3,166Unused loan commitments
  • $2,093Tier 1 (core) risk-based capital
  • $18,120Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,073Total unused commitments
  • $16,680Restructured Loans and leases
  • $2,877Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,970Total interest income
  • $3,025Total interest expense
  • $7,945Net interest income
  • $0Provision for loan and lease losses
  • $1,007Total noninterest income
  • $543Fiduciary activities
  • $250Service charges on deposit accounts
  • -$82Trading account gains & fees
  • $296Additional noninterest income
  • $6,208Total noninterest expense
  • $3,573Salaries and employee benefits
  • $806Premises and equipment expense
  • $1,829Additional noninterest expense
  • $2,744Pre-tax net operating income
  • $3,055Securities gains (losses)
  • $1,262Applicable income taxes
  • $4,537Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,537Net income attributable to bank
  • $0Net charge-offs
  • $4,537Cash dividends
  • $96Sale, conversion, retirement of capital stock, net
  • $2,501Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.55%Yield on earning assets
  • 1.53%Cost of funding earning assets
  • 4.02%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 2.14%Return on assets (ROA)
  • 2.73%Pretax return on assets
  • 26.18%Return on equity (ROE)
  • 11.75%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 28.58%Efficiency ratio
  • 69,348Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.12%Loss allowance to loans
  • 0.98%Loss allowance to noncurrent loans
  • 90.49%Noncurrent assets plus other real estate owned to assets
  • 0.62%Noncurrent loans to loans
  • 1.08%Net loans and leases to deposits
  • 53.56%Net loans and leases to core deposits
  • 73.07%Equity capital to assets
  • 8.53%Core capital (leverage) ratio
  • 8.36%Tier 1 risk-based capital ratio
  • 15.11%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $212,029Average earning assets
  • $17,329Average equity
  • $197,550Average 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
  • $242,524Managed Assets
  • 1Number of Accounts
  • $167,301Personal trust and agency accounts
  • $107,018Employee benefit-defined contribution accounts
  • $59,457Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $826Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 378Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $75,223Other retirement accounts
  • $45,901Corporate trust and agency accounts
  • $45Other fiduciary accounts
  • $29,157Fiduciary accounts held in foreign offices

List of branches

  • 3 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09269Treynor State Bank15 East Main Street, Treynor, IA 51575June 01, 1923Full Service Brick and Mortar
    1359584Macedonia Branch314 Main Street, Macedonia, IA 51549August 17, 2000Full Service Brick and Mortar
    2453304Hy-Vee Madison Avenue Branch1745 Madison Avenue, Council Bluffs, IA 51503November 15, 2005Full Service Retail

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