FDIC Certificate #: 219 Status: Active Federal Reserve ID: 764843 Bank Holding Company (Regulatory Top Holder): Apm Bancorp, Inc. (RSSDID: 1948220, Location: Buffalo, IA) Date Established: April 01, 1909 WWW:http://www.buffalosavingsbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 173 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion 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: 120 Washington Street, Buffalo, IA 52728 County: Scott Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Cedar Rapids Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Davenport-Moline-Rock Island, IA-IL (#1960) Core Based Statistical Area (CBSA): Davenport-Moline-Rock Island, IA-IL (#19340) CBSA Metro Statistical Area: Davenport-Moline-Rock Island, IA-IL (#19340)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $34.9 mil Equity capital: $3.4 mil Deposits held in domestic offices: $31.3 mil Return on assets (ROA): -0.33% (-$0.1 mil) Quarterly return on assets: -0.71% (-$0.2 mil) Return on Equity (ROE): -3.47% (-$0.1 mil) Quarterly return on equity: -7.32% (-$0.2 mil) Net income: -$0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.33% (-$115.3 mil) Quarterly Pretax return on assets: -0.71% (-$248.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$34,937Total assets
$3,533Cash and due from depository institutions
$1,952Interest-bearing balances
$9,068Securities
$4,865Federal funds sold & reverse repurchase agreements
$15,439Net loans & leases
$392Loan loss allowance
$0Trading account assets
$207Bank premises and fixed assets
$1,639Other real estate owned
$0Goodwill and other intangibles
$34,937Life insurance assets
$186All other assets
$31,523Total liabilities and capital
$31,340Total liabilities
$27,674Total deposits
$31,340Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$183Subordinated debt
$3,414All other liabilities
$3,414Total equity capital
$3,414Total bank equity capital
$0Perpetual preferred stock
$180Common stock
$2,000Surplus
$1,234Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$42Income earned, not collected on loans
$0Earning assets
$95Long-term assets (5+ years)
$31,324Average Assets, year-to-date
$2,583Average Assets, quarterly
$36,263Volatile liabilities
$35,377Insider loans
$17,614FHLB advances
$35,431Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,234Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$703Restructured Loans and leases
$601Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,324Total interest income
$283Total interest expense
$1,041Net interest income
$76Provision for loan and lease losses
$90Total noninterest income
$0Fiduciary activities
$43Service charges on deposit accounts
$0Trading account gains & fees
$47Additional noninterest income
$1,270Total noninterest expense
$641Salaries and employee benefits
$76Premises and equipment expense
$553Additional noninterest expense
-$215Pre-tax net operating income
$96Securities gains (losses)
$0Applicable income taxes
-$119Income before extraordinary items
$0Extraordinary gains - net
-$119Net income attributable to bank
$0Net charge-offs
-$119Cash dividends
$551Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.99%Yield on earning assets
0.85%Cost of funding earning assets
3.13%Net interest margin
0.27%Noninterest income to earning assets
3.82%Noninterest expense to earning assets
-0.59%Net operating income to assets
-0.33%Return on assets (ROA)
-0.33%Pretax return on assets
-3.47%Return on equity (ROE)
-3.47%Retained earnings to average equity (YTD only)
3.09%Net charge-offs to loans
13.79%Credit loss provision to net charge-offs
-0.25%Efficiency ratio
112,290Assets per employee
3.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.48%Loss allowance to noncurrent loans
933.33%Noncurrent assets plus other real estate owned to assets
4.81%Noncurrent loans to loans
0.27%Net loans and leases to deposits
49.26%Net loans and leases to core deposits
50.51%Equity capital to assets
9.77%Core capital (leverage) ratio
9.13%Tier 1 risk-based capital ratio
18.36%Total risk-based capital ratio
Memoranda
$20Average assets
$36,263Average earning assets
$3,429Average equity
$33,213Average 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
$8Managed Assets
1Number of Accounts
$8Personal trust and agency accounts
$8Employee 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
1Number 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
No
ID
Name
Address
Established
Service Type
Map
0
173
Buffalo Savings Bank
120 Washington Street, Buffalo, IA 52728
April 01, 1909
Full Service Brick and Mortar
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