Vitals
  • Total Assets
    83.0M 4.1 %
  • Total Deposits
    75.3M 3.8 %
  • Total Net Loans
    37.1M -9.9 %
  • Net Income
    382000.0000 0.8 %
  • Book Value
    7.5M 7.4 %
  • Book Value x2
    14.9M 7.4 %
  • Book Value x3
    22.4M 7.4 %
ROAA

.633

ROAE

7.069

Efficiency Ratio

77.655

Net Interest Margin

2.929

Balance Sheet Highlights
Financial Highlights The Emmet County State Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 83,015 150,735
Total Net Loans 37,112 89,754
Total Deposits 75,299 125,154
Total Equity 7,455 16,909
Profitability
Net Income 382 1,387
Return on Average Assets .633 1.218
Return on Average Equity 7.069 11.003
Net Interest Margin 2.929 3.722
Efficiency Ratio 77.655 59.27
Noninterest Income/Revenue 6.077 13.404
Balance Sheet Ratios
Loan-to-Deposit 49.286 67.796
Securities/Assets .263 .258
Total Equity/Total Assets .09 .112
Tangible Equity/Tangible Assets .09 .109
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 7,180 14,972
Tier 2 Capital 575 1,159
Total Capital 7,755 16,125
Total Risk Weighted Assets 48,046 104,223
Leverage Ratio 8.99 10.223
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.94 15.653
Total Capital Ratio 16.14 16.733

Timeline for The Emmet County State Bank

Northstar Bank

The Emmet County State Bank was acquired by Northstar Bank 11 years

View Profile Dec 08 2012

Emmet County State Bank Insurance Agency, Inc.

Emmet County State Bank Insurance Agency, Inc. became a new subsidiary organization for The Emmet County State Bank.

View Profile Aug 08 1991

Mwa Bancorporation

Mwa Bancorporation became a new parent organization for The Emmet County State Bank.

View Profile Mar 31 1983

The Emmet County State Bank

The Emmet County State Bank was established 97 years ago and is currently headquartered in Estherville, IA.

Jan 01 1927
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Northstar Bank Buyer 176,025 Acquisition Discontinued 12/8/2012
Relationships Role Relationship Start Relationship End
Mwa Bancorporation Parent 3/31/1983 12/7/2012
Emmet County State Bank Insurance Agency, Inc. Subsidary 6/30/2007 12/7/2012
Emmet County State Bank Insurance Agency, Inc. Subsidary 8/8/1991 6/29/2007
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