Bank of Delight in city_name, state_name - Detailed Financial Reports, Location

Bank of Delight in Delight, Arkansas (AR)
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Bank of Delight routing number info

Bank of Delight - Overview

General
FDIC Certificate #: 99
Status: Active
Federal Reserve ID: 455945
Date Established: June 16, 1911
WWW: http://www.bankofdelight.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 79
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
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: 503 E Antioch Street, Delight, AR 71940
County: Pike
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Little Rock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Change in Location
Financial Summary
Total assets: $80.3 mil
Equity capital: $16.8 mil
Deposits held in domestic offices: $63.2 mil
Return on assets (ROA): 1.35% ($1.1 mil)
Quarterly return on assets: 0.95% ($0.8 mil)
Return on Equity (ROE): 6.69% ($1.1 mil)
Quarterly return on equity: 4.60% ($0.8 mil)
Net income: $1.1 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.35% ($1,084.6 mil)
Quarterly Pretax return on assets: 0.95% ($763.2 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)
$80,342Total assets
$2,745Cash and due from depository institutions
$1,425Interest-bearing balances
$22,232Securities
$10,175Federal funds sold & reverse repurchase agreements
$43,375Net loans & leases
$896Loan loss allowance
$0Trading account assets
$314Bank premises and fixed assets
$366Other real estate owned
$0Goodwill and other intangibles
$80,342Life insurance assets
$1,135All other assets
$63,560Total liabilities and capital
$63,162Total liabilities
$56,947Total deposits
$63,162Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$296Trading liabilities
$0Other borrowed funds
$102Subordinated debt
$16,782All other liabilities
$16,782Total equity capital
$16,782Total bank equity capital
$0Perpetual preferred stock
$16Common stock
$1,950Surplus
$14,816Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,422Income earned, not collected on loans
$0Earning assets
$449Long-term assets (5+ years)
$77,207Average Assets, year-to-date
$12,792Average Assets, quarterly
$82,244Volatile liabilities
$81,475Insider loans
$51,078FHLB advances
$82,742Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,757Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,077Restructured Loans and leases
$3,188Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,385Total interest income
$661Total interest expense
$2,724Net interest income
$100Provision for loan and lease losses
$115Total noninterest income
$0Fiduciary activities
$93Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$1,637Total noninterest expense
$922Salaries and employee benefits
$113Premises and equipment expense
$602Additional noninterest expense
$1,102Pre-tax net operating income
$6Securities gains (losses)
$0Applicable income taxes
$1,108Income before extraordinary items
$0Extraordinary gains - net
$1,108Net income attributable to bank
$0Net charge-offs
$1,108Cash dividends
$57Sale, conversion, retirement of capital stock, net
$709Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.33%Yield on earning assets
0.84%Cost of funding earning assets
3.48%Net interest margin
0.15%Noninterest income to earning assets
2.09%Noninterest expense to earning assets
1.34%Net operating income to assets
1.35%Return on assets (ROA)
1.35%Pretax return on assets
6.69%Return on equity (ROE)
2.41%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
175.44%Credit loss provision to net charge-offs
21.09%Efficiency ratio
57,661Assets per employee
4.23%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.99%Loss allowance to loans
2.02%Loss allowance to noncurrent loans
63.01%Noncurrent assets plus other real estate owned to assets
2.23%Noncurrent loans to loans
3.21%Net loans and leases to deposits
68.67%Net loans and leases to core deposits
72.27%Equity capital to assets
20.89%Core capital (leverage) ratio
20.25%Tier 1 risk-based capital ratio
32.81%Total risk-based capital ratio
Memoranda
$34Average assets
$82,244Average earning assets
$16,559Average equity
$78,231Average loans

List of branches

2 Arkansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	79	Bank Of Delight	503 E Antioch Street, Delight, AR 71940	June 16, 1911	Full Service Brick and Mortar
1	41779	Prescott Branch	106 East Second Street, Prescott, AR 71857	May 01, 1934	Full Service Brick and Mortar

Bank of Delight in Delight, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Delight - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Delight in Delight, Arkansas (AR)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Delight - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Delight in Delight, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches