Farmers and Merchants State Bank of Neola, Iowa in city_name, state_name

Farmers and Merchants State Bank of Neola, Iowa in Neola, Iowa (IA)
Show street view No street view available for this location

Farmers and Merchants State Bank of Neola, Iowa routing number info

Farmers and Merchants State Bank of Neola, Iowa - Overview

General
FDIC Certificate #: 8756
Status: Active
Federal Reserve ID: 864248
Bank Holding Company (Regulatory Top Holder): Fmsb Bancorp (RSSDID: 2072270, Location: Neola, IA)
Date Established: January 01, 1886
WWW: http://www.fmsb-iowa.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 5573
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: 300 Front Street, Neola, IA 51559
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: $55.9 mil
Equity capital: $5.3 mil
Deposits held in domestic offices: $50.4 mil
Return on assets (ROA): 0.57% ($0.3 mil)
Quarterly return on assets: 0.78% ($0.4 mil)
Return on Equity (ROE): 6.19% ($0.3 mil)
Quarterly return on equity: 8.29% ($0.4 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.60% ($335.4 mil)
Quarterly Pretax return on assets: 0.81% ($452.8 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
14Total employees (full-time equivalent)
$55,905Total assets
$6,274Cash and due from depository institutions
$506Interest-bearing balances
$12,594Securities
$13,471Federal funds sold & reverse repurchase agreements
$22,798Net loans & leases
$204Loan loss allowance
$0Trading account assets
$234Bank premises and fixed assets
$75Other real estate owned
$0Goodwill and other intangibles
$55,905Life insurance assets
$459All other assets
$50,581Total liabilities and capital
$50,417Total liabilities
$40,709Total deposits
$50,417Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$164Subordinated debt
$5,324All other liabilities
$5,324Total equity capital
$5,324Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$700Surplus
$4,324Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$76Income earned, not collected on loans
$0Earning assets
$353Long-term assets (5+ years)
$49,369Average Assets, year-to-date
$14,768Average Assets, quarterly
$54,953Volatile liabilities
$55,915Insider loans
$26,976FHLB advances
$56,857Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,029Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,645Restructured Loans and leases
$586Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,669Total interest income
$307Total interest expense
$1,362Net interest income
$0Provision for loan and lease losses
$203Total noninterest income
$4Fiduciary activities
$137Service charges on deposit accounts
$0Trading account gains & fees
$62Additional noninterest income
$1,235Total noninterest expense
$787Salaries and employee benefits
$73Premises and equipment expense
$375Additional noninterest expense
$330Pre-tax net operating income
$0Securities gains (losses)
$15Applicable income taxes
$315Income before extraordinary items
$0Extraordinary gains - net
$315Net income attributable to bank
$0Net charge-offs
$315Cash dividends
$19Sale, conversion, retirement of capital stock, net
$250Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.37%Yield on earning assets
0.62%Cost of funding earning assets
2.75%Net interest margin
0.41%Noninterest income to earning assets
2.49%Noninterest expense to earning assets
0.57%Net operating income to assets
0.57%Return on assets (ROA)
0.60%Pretax return on assets
6.19%Return on equity (ROE)
1.28%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
17.37%Efficiency ratio
78,914Assets per employee
3.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
79.37%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
268.42%Noncurrent assets plus other real estate owned to assets
0.27%Noncurrent loans to loans
0.33%Net loans and leases to deposits
45.22%Net loans and leases to core deposits
48.88%Equity capital to assets
9.52%Core capital (leverage) ratio
8.84%Tier 1 risk-based capital ratio
18.64%Total risk-based capital ratio
Memoranda
$19Average assets
$54,953Average earning assets
$5,092Average equity
$49,564Average 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
$5,180Managed Assets
1Number of Accounts
$5,180Personal trust and agency accounts
$5,180Employee 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
4Number 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

2 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	5573	Farmers And Merchants State Bank Of Neola, Iowa	300 Front Street, Neola, IA 51559	January 01, 1886	Full Service Brick and Mortar
1	218903	Minden Branch	301 Broadway, Minden, IA 51553	April 09, 1931	Full Service Brick and Mortar

Farmers and Merchants State Bank of Neola, Iowa in Neola, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers and Merchants State Bank of Neola, Iowa - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Farmers and Merchants State Bank of Neola, Iowa in Neola, Iowa (IA)Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers and Merchants State Bank of Neola, Iowa - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Farmers and Merchants State Bank of Neola, Iowa in Neola, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches