FDIC Certificate #: 16363 Status: Active Federal Reserve ID: 1013744 Bank Holding Company (Regulatory Top Holder): Arendt's, Inc. (RSSDID: 1200067, Location: Montezuma, IA) Date Established: January 21, 1946 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 10545 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 21, 1946 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: 106 South Second Street, Montezuma, IA 50171 County: Poweshiek 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $33.1 mil Equity capital: $3.6 mil Deposits held in domestic offices: $29.4 mil Return on assets (ROA): 0.34% ($0.1 mil) Quarterly return on assets: -0.05% (-$0.0 mil) Return on Equity (ROE): 3.20% ($0.1 mil) Quarterly return on equity: -0.45% (-$0.0 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.34% ($112.4 mil) Quarterly Pretax return on assets: -0.11% (-$36.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$33,062Total assets
$5,895Cash and due from depository institutions
$1,584Interest-bearing balances
$12,824Securities
$2,519Federal funds sold & reverse repurchase agreements
$11,118Net loans & leases
$237Loan loss allowance
$0Trading account assets
$43Bank premises and fixed assets
$126Other real estate owned
$0Goodwill and other intangibles
$33,062Life insurance assets
$537All other assets
$29,462Total liabilities and capital
$29,398Total liabilities
$24,463Total deposits
$29,398Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$64Subordinated debt
$3,600All other liabilities
$3,600Total equity capital
$3,600Total bank equity capital
$0Perpetual preferred stock
$90Common stock
$1,200Surplus
$2,310Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,094Income earned, not collected on loans
$0Earning assets
$364Long-term assets (5+ years)
$28,045Average Assets, year-to-date
$7,329Average Assets, quarterly
$32,744Volatile liabilities
$32,474Insider loans
$16,073FHLB advances
$30,413Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,403Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$580Restructured Loans and leases
$69Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,215Total interest income
$262Total interest expense
$953Net interest income
$0Provision for loan and lease losses
$78Total noninterest income
$0Fiduciary activities
$85Service charges on deposit accounts
$0Trading account gains & fees
-$7Additional noninterest income
$921Total noninterest expense
$648Salaries and employee benefits
$119Premises and equipment expense
$154Additional noninterest expense
$110Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$110Income before extraordinary items
$0Extraordinary gains - net
$110Net income attributable to bank
$0Net charge-offs
$110Cash dividends
$72Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.36%Yield on earning assets
0.94%Cost of funding earning assets
3.42%Net interest margin
0.28%Noninterest income to earning assets
3.30%Noninterest expense to earning assets
0.34%Net operating income to assets
0.34%Return on assets (ROA)
0.34%Pretax return on assets
3.20%Return on equity (ROE)
3.20%Retained earnings to average equity (YTD only)
0.60%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
1.53%Efficiency ratio
89,331Assets per employee
3.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.09%Loss allowance to noncurrent loans
21.66%Noncurrent assets plus other real estate owned to assets
3.69%Noncurrent loans to loans
9.63%Net loans and leases to deposits
37.82%Net loans and leases to core deposits
39.55%Equity capital to assets
10.89%Core capital (leverage) ratio
11.19%Tier 1 risk-based capital ratio
21.17%Total risk-based capital ratio
Memoranda
$22Average assets
$32,744Average earning assets
$3,437Average equity
$27,880Average loans
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10545
Peoples Savings Bank
106 South Second Street, Montezuma, IA 50171
January 21, 1946
Full Service Brick and Mortar
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