FDIC Certificate #: 11761 Status: Active Federal Reserve ID: 730745 Bank Holding Company (Regulatory Top Holder): Fayette Bancorporation (RSSDID: 1204355, Location: Marion, IA) Date Established: June 27, 1927 WWW:http://www.csbhawkeye.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15347 FDIC's unique #: 7522 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: 133 East Main Street, Hawkeye, IA 52147 County: Fayette 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $28.2 mil Equity capital: $3.4 mil Deposits held in domestic offices: $22.0 mil Return on assets (ROA): 1.12% ($0.3 mil) Quarterly return on assets: 0.68% ($0.2 mil) Return on Equity (ROE): 9.29% ($0.3 mil) Quarterly return on equity: 5.65% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.18% ($333.2 mil) Quarterly Pretax return on assets: 0.74% ($209.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$28,238Total assets
$3,837Cash and due from depository institutions
$3,185Interest-bearing balances
$9,798Securities
$3,067Federal funds sold & reverse repurchase agreements
$10,804Net loans & leases
$158Loan loss allowance
$0Trading account assets
$244Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$28,238Life insurance assets
$488All other assets
$24,855Total liabilities and capital
$22,032Total liabilities
$16,600Total deposits
$22,032Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,760Trading liabilities
$0Other borrowed funds
$63Subordinated debt
$3,383All other liabilities
$3,383Total equity capital
$3,383Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$500Surplus
$2,833Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$141Income earned, not collected on loans
$0Earning assets
$284Long-term assets (5+ years)
$26,854Average Assets, year-to-date
$6,279Average Assets, quarterly
$27,487Volatile liabilities
$28,037Insider loans
$15,861FHLB advances
$26,423Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,366Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$815Restructured Loans and leases
$159Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,092Total interest income
$295Total interest expense
$797Net interest income
$36Provision for loan and lease losses
$123Total noninterest income
$0Fiduciary activities
$99Service charges on deposit accounts
$0Trading account gains & fees
$24Additional noninterest income
$560Total noninterest expense
$329Salaries and employee benefits
$96Premises and equipment expense
$135Additional noninterest expense
$324Pre-tax net operating income
$0Securities gains (losses)
$17Applicable income taxes
$307Income before extraordinary items
$0Extraordinary gains - net
$307Net income attributable to bank
$0Net charge-offs
$307Cash dividends
$7Sale, conversion, retirement of capital stock, net
$275Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.19%Yield on earning assets
1.13%Cost of funding earning assets
3.06%Net interest margin
0.47%Noninterest income to earning assets
2.15%Noninterest expense to earning assets
1.12%Net operating income to assets
1.12%Return on assets (ROA)
1.18%Pretax return on assets
9.29%Return on equity (ROE)
0.97%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
514.29%Credit loss provision to net charge-offs
51.43%Efficiency ratio
60,870Assets per employee
4.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
89.58%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
112.06%Noncurrent assets plus other real estate owned to assets
0.50%Noncurrent loans to loans
1.29%Net loans and leases to deposits
49.04%Net loans and leases to core deposits
49.04%Equity capital to assets
11.98%Core capital (leverage) ratio
12.74%Tier 1 risk-based capital ratio
21.22%Total risk-based capital ratio
Memoranda
$22Average assets
$27,487Average earning assets
$3,306Average equity
$26,034Average 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
$2Managed 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
$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
$2Other retirement accounts
$2Corporate 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
7522
Citizens Savings Bank
133 East Main Street, Hawkeye, IA 52147
June 27, 1927
Full Service Brick and Mortar
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