First Trust and Savings Bank

1831 Second Street
Coralville, IA 52241

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10123
Date Established 1931
Assets $0.05 billion
Loans $0.01 billion
Deposits $0.04 billion
Capital $0.01 billion

First Trust and Savings Bank is an FDIC insured institution located in Coralville, IA. It was founded in 1931 and has approximately $0.05 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of First Trust and Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in First Trust and Savings Bank’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, First Trust and Savings Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.18
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 3.10
Small Business Loans 0.00
Construction and Development Loans 4.41
Commercial Real Estate 12.76
Commercial and Industrial Loans 15.93
Farm Loans 19.93

Deposit Rates - August 18, 2018

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $7,500 - Learn MoreShow Less
6 Mo CD 10K
0.20% $7,500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.20% $500 $7,499 Learn MoreShow Less
Special: 13 Mo FIRA
0.45% $500 $7,499 Learn MoreShow Less
Special: 13 Mo FIRA
1.65% $7,500 $99,999 Learn MoreShow Less
Special: 31 Mo FIRA
0.90% $500 $7,499 Learn MoreShow Less
Special: 31 Mo FIRA
2.35% $7,500 $99,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.10% $1 $24,999 Learn MoreShow Less
MM 25K
0.15% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.02% $1 $4,999 Learn MoreShow Less

Loan Rates - August 18, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First Trust and Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.740% $291.47 Learn More

Note to First Trust and Savings Bank
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Branches

First Trust and Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


First Trust and Savings Bank Locations

Financial Details

First Trust and Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Trust and Savings Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Trust and Savings Bank U.S. Bank Average
18.52% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, First Trust and Savings Bank had $1,090,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,681,000 in equity and $204,000 in loans loss reserves. That gives it a Texas Ratio of 18.52%.

Return on Equity
First Trust and Savings Bank U.S. Bank Average
6.49% 9.35%

First Trust and Savings Bank has a Return on Equity of 6.49% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Trust and Savings Bank U.S. Bank Average
11.09% 12.01%

First Trust and Savings Bank has a Capitalization of 11.09% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Trust and Savings Bank Balance Sheet Analysis

As of March 31, 2018, First Trust and Savings Bank had assets of $51,211,000, loans of $13,279,000, and deposits of $39,429,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.01 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.05 billion
LIABILITIES
Total deposits $0.04 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.04 billion
      % insured (estimated) 78.13%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About First Trust And Savings Bank

Branches and Savings

Is First Trust And Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #10123.

Why does First Trust And Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Trust And Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Trust And Savings Bank a commercial bank?

Yes

Where are First Trust And Savings Bank locations?

See branch locations nearby.

Is First Trust And Savings Bank open on Saturdays?

Is First Trust And Savings Bank open on Sundays?

What time does First Trust And Savings Bank open?

What time does First Trust And Savings Bank close?

Are First Trust And Savings Bank ATMs Open 24/7?

Do First Trust And Savings Bank ATMs accept cash deposits?

Can First Trust And Savings Bank customers use other ATMs?

Do First Trust And Savings Bank branches have notaries?

Will First Trust And Savings Bank notarize my document?

What address for First Trust And Savings Bank should I put for incoming ACH transfers?

Will the First Trust And Savings Bank branch print checks?

Do First Trust And Savings Bank checks expire?

Does First Trust And Savings Bank require US citizenship to open account?

Can First Trust And Savings Bank close my account?

Does First Trust And Savings Bank Report to credit bureaus?

Does First Trust And Savings Bank Use Equifax?

What is First Trust And Savings Bank's ACH Routing Number?

What is First Trust And Savings Bank's SWIFT code?

Products

Does First Trust And Savings Bank offer mortgages?

Compare mortgage rates here.

Does First Trust And Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Trust And Savings Bank offer personal loans?

Compare personal loan rates here.

Does First Trust And Savings Bank offer student loans?

Will First Trust And Savings Bank cash a check?

Will First Trust And Savings Bank redeem a savings bond?

Does First Trust And Savings Bank cash savings bonds?

Will First Trust And Savings Bank cash money orders?

Can First Trust And Savings Bank issue a money order?

Does First Trust And Savings Bank do currency exchange?

Background on The Bank

Who owns First Trust And Savings Bank?

How long has First Trust And Savings Bank been around?

Can First Trust And Savings Bank transfer to other banks?

Does First Trust And Savings Bank have quick pay?

Does First Trust And Savings Bank accept rolled coins?

Will First Trust And Savings Bank accept loose change?

Where is First Trust And Savings Bank headquarters?

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