Western Bank & Trust National Association in Moville, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 22, 2003

  • Western Bank & Trust National Association in Moville, Iowa (IA)
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Western Bank & Trust National Association - Overview

  • General
  • FDIC Certificate #: 10894
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: American National Bank (#33993)
    Federal Reserve ID: 771346
    Date Established: January 01, 1890
    WWW: http://www.westernbt.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    OTS Docket #: 15450
    FDIC's unique #: 6974
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 22, 2003
    Last Structure Change Process Date: November 06, 2003
    Last Data Update: November 06, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 120 South First Street, Moville, IA 51039
    County: Woodbury
    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
    Metropolitan Statistical Area (MSA): Sioux City, IA-NE (#7720)
    Combined Statistical Area (CSA): Sioux City-Vermillion, IA-NE-SD (#512)
    Core Based Statistical Area (CBSA): Sioux City, IA-NE-SD (#43580)
    CBSA Metro Statistical Area: Sioux City, IA-NE-SD (#43580)
  • Financial Summary
  • Total assets: $44.0 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, 2002)

  • Dollar figures in thousands
  • 13Total employees (full-time equivalent)
  • $38,905Total assets
  • $1,474Cash and due from depository institutions
  • $51Interest-bearing balances
  • $1,515Securities
  • $800Federal funds sold & reverse repurchase agreements
  • $32,263Net loans & leases
  • $349Loan loss allowance
  • $0Trading account assets
  • $1,055Bank premises and fixed assets
  • $382Other real estate owned
  • $339Goodwill and other intangibles
  • $0Life insurance assets
  • $1,077All other assets
  • $38,905Total liabilities and capital
  • $35,294Total liabilities
  • $31,577Total deposits
  • $28,274Interest-bearing deposits
  • $31,577Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,250Other borrowed funds
  • $0Subordinated debt
  • $367All other liabilities
  • $3,611Total equity capital
  • $3,611Total bank equity capital
  • $3,611Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $2,586Undivided profits
  • Memoranda
  • $825Noncurrent loans and leases
  • $3,014Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $568Earning assets
  • $0Long-term assets (5+ years)
  • $559Average Assets, year-to-date
  • $34,629Average Assets, quarterly
  • $3,808Volatile liabilities
  • $39,441Insider loans
  • $39,702FHLB advances
  • $6,621Loans and leases held for sale
  • $215Unused loan commitments
  • $3,250Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,014Total unused commitments
  • $0Restructured Loans and leases
  • $349Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $2,581Total interest income
  • $1,236Total interest expense
  • $1,345Net interest income
  • $51Provision for loan and lease losses
  • $365Total noninterest income
  • $0Fiduciary activities
  • $169Service charges on deposit accounts
  • $0Trading account gains & fees
  • $196Additional noninterest income
  • $1,094Total noninterest expense
  • $606Salaries and employee benefits
  • $135Premises and equipment expense
  • $353Additional noninterest expense
  • $565Pre-tax net operating income
  • $0Securities gains (losses)
  • $217Applicable income taxes
  • $348Income before extraordinary items
  • $0Extraordinary gains - net
  • $348Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$4Sale, conversion, retirement of capital stock, net
  • $66Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.33%Yield on earning assets
  • 3.51%Cost of funding earning assets
  • 3.82%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 10.06%Return on equity (ROE)
  • 8.15%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -1275.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 61,930Assets per employee
  • 2.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.97%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 61.44%Noncurrent assets plus other real estate owned to assets
  • 2.44%Noncurrent loans to loans
  • 1.74%Net loans and leases to deposits
  • 102.17%Net loans and leases to core deposits
  • 121.26%Equity capital to assets
  • 9.28%Core capital (leverage) ratio
  • 8.31%Tier 1 risk-based capital ratio
  • 10.27%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $39,441Average earning assets
  • $3,460Average equity
  • $35,209Average loans

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