Northwoods State Bank in city_name, state_name - Detailed Financial Reports, Location

Northwoods State Bank in Mason City, Iowa (IA)
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Northwoods State Bank routing number info

Northwoods State Bank - Overview

General
FDIC Certificate #: 8094
Status: Active
Federal Reserve ID: 253646
Bank Holding Company (Regulatory Top Holder): Northwood Financial Services Corporation (RSSDID: 1204841, Location: Northwood, IA)
Date Established: January 01, 1933
WWW: http://www.nsbbank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 10555
FDIC's unique #: 5148
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: 2650 4th Street, S.W., Mason City, IA 50401
County: Cerro Gordo
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
Core Based Statistical Area (CBSA): Mason City, IA (#32380)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $153.0 mil
Equity capital: $13.5 mil
Deposits held in domestic offices: $129.2 mil
Return on assets (ROA): 1.98% ($3.0 mil)
Quarterly return on assets: 1.90% ($2.9 mil)
Return on Equity (ROE): 23.42% ($3.3 mil)
Quarterly return on equity: 21.44% ($3.0 mil)
Net income: $2.9 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 2.04% ($3,121.6 mil)
Quarterly Pretax return on assets: 1.86% ($2,846.2 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
28Total employees (full-time equivalent)
$153,021Total assets
$3,701Cash and due from depository institutions
$212Interest-bearing balances
$39,597Securities
$0Federal funds sold & reverse repurchase agreements
$102,803Net loans & leases
$910Loan loss allowance
$0Trading account assets
$1,645Bank premises and fixed assets
$591Other real estate owned
$313Goodwill and other intangibles
$153,020Life insurance assets
$4,371All other assets
$139,492Total liabilities and capital
$129,159Total liabilities
$104,610Total deposits
$129,159Interest-bearing deposits
$92Deposits held in domestic offices
5147.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$1,186Subordinated debt
$13,528All other liabilities
$13,528Total equity capital
$13,528Total bank equity capital
$0Perpetual preferred stock
$800Common stock
$1,675Surplus
$11,053Undivided profits
Memoranda
$0Noncurrent loans and leases
$429Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$477Income earned, not collected on loans
$0Earning assets
$815Long-term assets (5+ years)
$142,612Average Assets, year-to-date
$48,331Average Assets, quarterly
$145,315Volatile liabilities
$150,352Insider loans
$112,745FHLB advances
$150,800Loans and leases held for sale
$2,251Unused loan commitments
$2,251Tier 1 (core) risk-based capital
$12,501Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$14,088Restructured Loans and leases
$1,136Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,239Total interest income
$989Total interest expense
$5,250Net interest income
$150Provision for loan and lease losses
$974Total noninterest income
$1Fiduciary activities
$332Service charges on deposit accounts
$0Trading account gains & fees
$641Additional noninterest income
$3,297Total noninterest expense
$1,983Salaries and employee benefits
$389Premises and equipment expense
$925Additional noninterest expense
$2,777Pre-tax net operating income
$191Securities gains (losses)
$98Applicable income taxes
$2,870Income before extraordinary items
$0Extraordinary gains - net
$2,870Net income attributable to bank
$0Net charge-offs
$2,870Cash dividends
$201Sale, conversion, retirement of capital stock, net
$1,200Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.60%Yield on earning assets
0.73%Cost of funding earning assets
3.87%Net interest margin
0.72%Noninterest income to earning assets
2.43%Noninterest expense to earning assets
1.85%Net operating income to assets
1.98%Return on assets (ROA)
2.04%Pretax return on assets
23.42%Return on equity (ROE)
13.63%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
74.63%Credit loss provision to net charge-offs
14.56%Efficiency ratio
52,972Assets per employee
5.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.81%Loss allowance to loans
0.88%Loss allowance to noncurrent loans
190.78%Noncurrent assets plus other real estate owned to assets
0.70%Noncurrent loans to loans
0.46%Net loans and leases to deposits
79.59%Net loans and leases to core deposits
82.41%Equity capital to assets
8.84%Core capital (leverage) ratio
8.29%Tier 1 risk-based capital ratio
11.09%Total risk-based capital ratio
Memoranda
$12Average assets
$145,315Average earning assets
$12,256Average equity
$135,740Average 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
$197Managed 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
27Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$197Other retirement accounts
$197Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

3 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5148	Northwoods State Bank	2650 4th Street, S.W., Mason City, IA 50401	January 01, 1933	Full Service Brick and Mortar
1	276986	Regency Branch	451 South Illinois Avenue, Mason City, IA 50401	September 21, 1936	Full Service Brick and Mortar
5	217916	Northwood Branch	900 Central Avenue, Northwood, IA 50459	June 07, 1999	Full Service Brick and Mortar

Northwoods State Bank in Mason City, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Northwoods State Bank - 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:

Northwoods State Bank in Mason City, Iowa (IA)Overview, Financial Summary, Detailed Financial Reports, Branches

Northwoods State Bank - 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:

Northwoods State Bank in Mason City, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches