The First Trust & Savings Bank in Marcus, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The First Trust & Savings Bank in Marcus, Iowa (IA)
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The First Trust & Savings Bank routing number info

The First Trust & Savings Bank - Overview

  • General
  • FDIC Certificate #: 15431
    Status: Active
    Federal Reserve ID: 791746
    Bank Holding Company (Regulatory Top Holder): Ft Bancshares, Inc. (RSSDID: 1209800, Location: Aurelia, IA)
    Date Established: January 01, 1935
    WWW: http://www.1sttrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 9745
    Numeric code: 13
    Regulator: FED
    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: October 31, 1936
    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: 100 West Pine Street, Marcus, IA 51035
    County: Cherokee
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux City
    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: $46.7 mil
    Equity capital: $4.4 mil
    Deposits held in domestic offices: $40.4 mil
    Return on assets (ROA): -0.07% (-$0.0 mil)
    Quarterly return on assets: -0.70% (-$0.3 mil)
    Return on Equity (ROE): -0.80% (-$0.0 mil)
    Quarterly return on equity: -7.27% (-$0.3 mil)
    Net income: -$0.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.08% (-$37.3 mil)
    Quarterly Pretax return on assets: -0.76% (-$354.7 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
  • 14Total employees (full-time equivalent)
  • $46,675Total assets
  • $2,291Cash and due from depository institutions
  • $629Interest-bearing balances
  • $18,993Securities
  • $2,133Federal funds sold & reverse repurchase agreements
  • $21,838Net loans & leases
  • $228Loan loss allowance
  • $0Trading account assets
  • $325Bank premises and fixed assets
  • $463Other real estate owned
  • $0Goodwill and other intangibles
  • $46,675Life insurance assets
  • $632All other assets
  • $42,235Total liabilities and capital
  • $40,433Total liabilities
  • $33,985Total deposits
  • $40,433Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 1629.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $173Subordinated debt
  • $4,440All other liabilities
  • $4,440Total equity capital
  • $4,440Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $880Surplus
  • $3,440Undivided 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
  • $344Long-term assets (5+ years)
  • $43,593Average Assets, year-to-date
  • $18,180Average Assets, quarterly
  • $45,637Volatile liabilities
  • $46,001Insider loans
  • $28,870FHLB advances
  • $46,476Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,092Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,560Restructured Loans and leases
  • $388Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,707Total interest income
  • $447Total interest expense
  • $1,260Net interest income
  • $188Provision for loan and lease losses
  • $160Total noninterest income
  • $4Fiduciary activities
  • $92Service charges on deposit accounts
  • $0Trading account gains & fees
  • $64Additional noninterest income
  • $1,269Total noninterest expense
  • $738Salaries and employee benefits
  • $166Premises and equipment expense
  • $365Additional noninterest expense
  • -$37Pre-tax net operating income
  • $0Securities gains (losses)
  • -$3Applicable income taxes
  • -$34Income before extraordinary items
  • $0Extraordinary gains - net
  • -$34Net income attributable to bank
  • $0Net charge-offs
  • -$34Cash dividends
  • $292Sale, conversion, retirement of capital stock, net
  • $77Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.99%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 2.95%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • -0.07%Net operating income to assets
  • -0.07%Return on assets (ROA)
  • -0.08%Pretax return on assets
  • -0.80%Return on equity (ROE)
  • -2.61%Retained earnings to average equity (YTD only)
  • 1.36%Net charge-offs to loans
  • 64.38%Credit loss provision to net charge-offs
  • 0.52%Efficiency ratio
  • 89,366Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -226.47%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 54.01%Net loans and leases to core deposits
  • 56.19%Equity capital to assets
  • 9.51%Core capital (leverage) ratio
  • 8.80%Tier 1 risk-based capital ratio
  • 14.17%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $45,637Average earning assets
  • $4,250Average equity
  • $42,775Average 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
  • $6,022Managed Assets
  • 1Number of Accounts
  • $6,022Personal trust and agency accounts
  • $6,022Employee 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
  • 6Number 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

  • 3 Iowa Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    09745The First Trust & Savings Bank100 West Pine Street, Marcus, IA 51035January 01, 1935Full Service Brick and Mortar
    15427Cleghorn Branch101 North Lewis Avenue, Cleghorn, IA 51014January 01, 1892Full Service Brick and Mortar
    2357994Aurelia Branch111 East 2nd Street, Aurelia, IA 51005November 29, 1999Full Service Brick and Mortar

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