FDIC Certificate #: 28989 Status: Active Federal Reserve ID: 935577 Date Established: June 01, 1934 WWW:http://www.webcityfed.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 2731 FDIC's unique #: 41823 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: April 11, 1935 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 820 Des Moines St, Webster City, IA 50595 County: Hamilton 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
Change in Primary Regulatory Agency
Financial Summary
Total assets: $90.0 mil Equity capital: $11.4 mil Deposits held in domestic offices: $74.4 mil Return on assets (ROA): 0.08% ($0.1 mil) Quarterly return on assets: -1.33% (-$1.2 mil) Return on Equity (ROE): 0.65% ($0.1 mil) Quarterly return on equity: -10.42% (-$1.1 mil) Net income: $0.1 mil Quarterly Net income: -$0.3 mil Pretax return on assets: 0.02% ($18.0 mil) Quarterly Pretax return on assets: -2.21% (-$1,987.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$89,952Total assets
$8,284Cash and due from depository institutions
$6,271Interest-bearing balances
$23,541Securities
$2,739Federal funds sold & reverse repurchase agreements
$51,886Net loans & leases
$419Loan loss allowance
$0Trading account assets
$1,429Bank premises and fixed assets
$144Other real estate owned
$0Goodwill and other intangibles
$89,952Life insurance assets
$1,929All other assets
$78,548Total liabilities and capital
$74,433Total liabilities
$70,547Total deposits
$74,433Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,500Trading liabilities
$0Other borrowed funds
$1,615Subordinated debt
$11,404All other liabilities
$11,404Total equity capital
$11,404Total bank equity capital
$0Perpetual preferred stock
$212Common stock
$9,088Surplus
$2,104Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$223Income earned, not collected on loans
$0Earning assets
$450Long-term assets (5+ years)
$84,437Average Assets, year-to-date
$0Average Assets, quarterly
$92,797Volatile liabilities
$90,719Insider loans
$42,600FHLB advances
$89,676Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,128Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$66Restructured Loans and leases
$433Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,172Total interest income
$1,189Total interest expense
$2,983Net interest income
$174Provision for loan and lease losses
$189Total noninterest income
$0Fiduciary activities
$167Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$2,990Total noninterest expense
$1,730Salaries and employee benefits
$456Premises and equipment expense
$804Additional noninterest expense
$8Pre-tax net operating income
$13Securities gains (losses)
-$54Applicable income taxes
$75Income before extraordinary items
$0Extraordinary gains - net
$75Net income attributable to bank
$0Net charge-offs
$75Cash dividends
-$30Sale, conversion, retirement of capital stock, net
$235Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.76%Yield on earning assets
1.36%Cost of funding earning assets
3.40%Net interest margin
0.22%Noninterest income to earning assets
3.41%Noninterest expense to earning assets
0.07%Net operating income to assets
0.08%Return on assets (ROA)
0.02%Pretax return on assets
0.65%Return on equity (ROE)
-1.39%Retained earnings to average equity (YTD only)
-0.06%Net charge-offs to loans
-580.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
94,262Assets per employee
4.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
313.33%Loss allowance to loans
0.80%Loss allowance to noncurrent loans
187.89%Noncurrent assets plus other real estate owned to assets
0.41%Noncurrent loans to loans
0.43%Net loans and leases to deposits
69.71%Net loans and leases to core deposits
74.87%Equity capital to assets
12.68%Core capital (leverage) ratio
12.41%Tier 1 risk-based capital ratio
26.12%Total risk-based capital ratio
Memoranda
$27Average assets
$92,797Average earning assets
$11,480Average equity
$87,615Average loans
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41823
Webster City Federal Savings Bank
820 Des Moines St, Webster City, IA 50595
June 01, 1934
Full Service Brick and Mortar
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