FDIC Certificate #: 14230 Status: Active Federal Reserve ID: 756343 Bank Holding Company (Regulatory Top Holder): Malvern Bancshares, Inc. (RSSDID: 3070415, Location: Malvern, IA) Date Established: January 01, 1892 WWW:http://www.malvernbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 8886 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: April 10, 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: 404 Main Street, Malvern, IA 51551 County: Mills 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 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
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $58.9 mil Equity capital: $5.9 mil Deposits held in domestic offices: $52.9 mil Return on assets (ROA): 1.15% ($0.7 mil) Quarterly return on assets: 1.49% ($0.9 mil) Return on Equity (ROE): 11.71% ($0.7 mil) Quarterly return on equity: 15.04% ($0.9 mil) Net income: $0.7 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.20% ($707.3 mil) Quarterly Pretax return on assets: 1.55% ($913.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$58,938Total assets
$6,580Cash and due from depository institutions
$3,197Interest-bearing balances
$950Securities
$0Federal funds sold & reverse repurchase agreements
$48,710Net loans & leases
$496Loan loss allowance
$0Trading account assets
$237Bank premises and fixed assets
$313Other real estate owned
$0Goodwill and other intangibles
$58,938Life insurance assets
$2,148All other assets
$53,087Total liabilities and capital
$52,908Total liabilities
$44,052Total deposits
$52,908Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$179Subordinated debt
$5,851All other liabilities
$5,851Total equity capital
$5,851Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,300Surplus
$4,351Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$41Income earned, not collected on loans
$0Earning assets
$778Long-term assets (5+ years)
$52,857Average Assets, year-to-date
$9,721Average Assets, quarterly
$57,164Volatile liabilities
$58,174Insider loans
$53,385FHLB advances
$60,337Loans and leases held for sale
$1,090Unused loan commitments
$1,090Tier 1 (core) risk-based capital
$5,836Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,800Restructured Loans and leases
$32Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,500Total interest income
$513Total interest expense
$1,987Net interest income
$0Provision for loan and lease losses
$124Total noninterest income
$0Fiduciary activities
$35Service charges on deposit accounts
$0Trading account gains & fees
$89Additional noninterest income
$1,427Total noninterest expense
$983Salaries and employee benefits
$135Premises and equipment expense
$309Additional noninterest expense
$684Pre-tax net operating income
$2Securities gains (losses)
$27Applicable income taxes
$659Income before extraordinary items
$0Extraordinary gains - net
$659Net income attributable to bank
$0Net charge-offs
$659Cash dividends
$21Sale, conversion, retirement of capital stock, net
$271Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.90%Yield on earning assets
1.00%Cost of funding earning assets
3.89%Net interest margin
0.24%Noninterest income to earning assets
2.79%Noninterest expense to earning assets
1.15%Net operating income to assets
1.15%Return on assets (ROA)
1.20%Pretax return on assets
11.71%Return on equity (ROE)
6.90%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
32.57%Efficiency ratio
67,598Assets per employee
4.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.12%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
1209.76%Noncurrent assets plus other real estate owned to assets
0.60%Noncurrent loans to loans
0.08%Net loans and leases to deposits
92.07%Net loans and leases to core deposits
98.59%Equity capital to assets
9.93%Core capital (leverage) ratio
9.67%Tier 1 risk-based capital ratio
10.93%Total risk-based capital ratio
Memoranda
$12Average assets
$57,164Average earning assets
$5,627Average equity
$51,070Average loans
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8886
Malvern Trust & Savings Bank
404 Main Street, Malvern, IA 51551
January 01, 1892
Full Service Brick and Mortar
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