FDIC Certificate #: 15930 Status: Active Federal Reserve ID: 694146 Bank Holding Company (Regulatory Top Holder): Dentel Bancorporation (RSSDID: 1133615, Location: Victor, IA) Date Established: Febuary 01, 1943 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 10162 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: Febuary 01, 1943 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: 122 Main Street, Maxwell, IA 50161 County: Story Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Des Moines Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Combined Statistical Area (CSA): Ames-Boone, IA (#112) Core Based Statistical Area (CBSA): Ames, IA (#11180) CBSA Metro Statistical Area: Ames, IA (#11180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $25.1 mil Equity capital: $3.0 mil Deposits held in domestic offices: $20.6 mil Return on assets (ROA): 2.17% ($0.5 mil) Quarterly return on assets: 2.09% ($0.5 mil) Return on Equity (ROE): 18.36% ($0.6 mil) Quarterly return on equity: 17.23% ($0.5 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 2.29% ($575.3 mil) Quarterly Pretax return on assets: 2.20% ($552.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$25,121Total assets
$2,013Cash and due from depository institutions
$99Interest-bearing balances
$11,841Securities
$0Federal funds sold & reverse repurchase agreements
$10,363Net loans & leases
$95Loan loss allowance
$0Trading account assets
$179Bank premises and fixed assets
$0Other real estate owned
$274Goodwill and other intangibles
$25,121Life insurance assets
$451All other assets
$22,144Total liabilities and capital
$20,585Total liabilities
$17,445Total deposits
$20,585Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,511Trading liabilities
$0Other borrowed funds
$48Subordinated debt
$2,977All other liabilities
$2,977Total equity capital
$2,977Total bank equity capital
$0Perpetual preferred stock
$60Common stock
$1,450Surplus
$1,467Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$263Long-term assets (5+ years)
$22,303Average Assets, year-to-date
$7,952Average Assets, quarterly
$24,708Volatile liabilities
$24,522Insider loans
$13,818FHLB advances
$23,852Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,646Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,614Restructured Loans and leases
$1,301Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,111Total interest income
$196Total interest expense
$915Net interest income
$0Provision for loan and lease losses
$33Total noninterest income
$0Fiduciary activities
$29Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$383Total noninterest expense
$248Salaries and employee benefits
$35Premises and equipment expense
$100Additional noninterest expense
$565Pre-tax net operating income
$0Securities gains (losses)
$29Applicable income taxes
$536Income before extraordinary items
$0Extraordinary gains - net
$536Net income attributable to bank
$0Net charge-offs
$536Cash dividends
$0Sale, conversion, retirement of capital stock, net
$375Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.92%Yield on earning assets
0.87%Cost of funding earning assets
4.06%Net interest margin
0.15%Noninterest income to earning assets
1.70%Noninterest expense to earning assets
2.17%Net operating income to assets
2.17%Return on assets (ROA)
2.29%Pretax return on assets
18.36%Return on equity (ROE)
5.52%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
40,401Assets per employee
5.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
69.96%Loss allowance to loans
0.91%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
50.34%Net loans and leases to core deposits
51.87%Equity capital to assets
11.85%Core capital (leverage) ratio
11.09%Tier 1 risk-based capital ratio
19.15%Total risk-based capital ratio
Memoranda
$20Average assets
$24,708Average earning assets
$2,919Average equity
$22,561Average loans
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10162
Maxwell State Bank
122 Main Street, Maxwell, IA 50161
Febuary 01, 1943
Full Service Brick and Mortar
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