FDIC Certificate #: 21897 Status: Active Federal Reserve ID: 1006559 Bank Holding Company (Regulatory Top Holder): Bancstar, Inc. (RSSDID: 1097445, Location: Festus, MO) Date Established: January 15, 1975 WWW:http://www.bank-star.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 9969 FDIC's unique #: 15176 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 15, 1975 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: 1999 West Osage Street, Pacific, MO 63069 County: Franklin Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: St. Louis Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040) Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476) Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180) CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $73.3 mil Equity capital: $6.2 mil Deposits held in domestic offices: $67.0 mil Return on assets (ROA): -0.80% (-$0.6 mil) Quarterly return on assets: -1.86% (-$1.4 mil) Return on Equity (ROE): -7.96% (-$0.5 mil) Quarterly return on equity: -20.31% (-$1.2 mil) Net income: -$0.6 mil Quarterly Net income: -$0.3 mil Pretax return on assets: -1.22% (-$894.8 mil) Quarterly Pretax return on assets: -2.84% (-$2,083.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
48Total employees (full-time equivalent)
$73,347Total assets
$8,404Cash and due from depository institutions
$6,198Interest-bearing balances
$10,783Securities
$0Federal funds sold & reverse repurchase agreements
$51,307Net loans & leases
$1,064Loan loss allowance
$0Trading account assets
$1,383Bank premises and fixed assets
$86Other real estate owned
$0Goodwill and other intangibles
$73,347Life insurance assets
$1,384All other assets
$67,185Total liabilities and capital
$67,038Total liabilities
$51,847Total deposits
$67,038Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$147Subordinated debt
$6,162All other liabilities
$6,162Total equity capital
$6,162Total bank equity capital
$0Perpetual preferred stock
$556Common stock
$4,272Surplus
$1,334Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,137Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$380Income earned, not collected on loans
$0Earning assets
$247Long-term assets (5+ years)
$68,288Average Assets, year-to-date
$23,194Average Assets, quarterly
$69,765Volatile liabilities
$72,573Insider loans
$53,393FHLB advances
$71,658Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,098Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,099Restructured Loans and leases
$1,774Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,436Total interest income
$421Total interest expense
$3,015Net interest income
$1,390Provision for loan and lease losses
$1,670Total noninterest income
$0Fiduciary activities
$423Service charges on deposit accounts
$0Trading account gains & fees
$1,247Additional noninterest income
$4,146Total noninterest expense
$2,528Salaries and employee benefits
$307Premises and equipment expense
$1,311Additional noninterest expense
-$851Pre-tax net operating income
$0Securities gains (losses)
-$291Applicable income taxes
-$560Income before extraordinary items
$0Extraordinary gains - net
-$560Net income attributable to bank
$0Net charge-offs
-$560Cash dividends
$1,187Sale, conversion, retirement of capital stock, net
$25Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.30%Yield on earning assets
0.65%Cost of funding earning assets
4.65%Net interest margin
2.57%Noninterest income to earning assets
6.39%Noninterest expense to earning assets
-0.80%Net operating income to assets
-0.80%Return on assets (ROA)
-1.22%Pretax return on assets
-7.96%Return on equity (ROE)
-8.31%Retained earnings to average equity (YTD only)
2.18%Net charge-offs to loans
117.10%Credit loss provision to net charge-offs
0.45%Efficiency ratio
85,912Assets per employee
1.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
-4.46%Loss allowance to loans
2.03%Loss allowance to noncurrent loans
280.00%Noncurrent assets plus other real estate owned to assets
0.64%Noncurrent loans to loans
0.73%Net loans and leases to deposits
76.53%Net loans and leases to core deposits
80.26%Equity capital to assets
8.40%Core capital (leverage) ratio
8.51%Tier 1 risk-based capital ratio
11.42%Total risk-based capital ratio
Memoranda
$13Average assets
$69,765Average earning assets
$7,039Average equity
$64,870Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15176
Bank Star
1999 West Osage Street, Pacific, MO 63069
January 15, 1975
Full Service Brick and Mortar
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