First State Bank in city_name, state_name - Detailed Financial Reports, Location

First State Bank in Russellville, Arkansas (AR)
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First State Bank - Overview

General
FDIC Certificate #: 13632
Status: Active
Federal Reserve ID: 114840
Bank Holding Company (Regulatory Top Holder): First State Banking Corp (RSSDID: 1096448, Location: Russellville, AR)
Date Established: January 12, 1934
WWW: http://www.fsbmybank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 10298
FDIC's unique #: 8523
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 12, 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: 3103 East Main Street, Russellville, AR 72802
County: Pope
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
Core Based Statistical Area (CBSA): Russellville, AR (#40780)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $174.0 mil
Equity capital: $20.4 mil
Deposits held in domestic offices: $145.9 mil
Return on assets (ROA): 0.69% ($1.2 mil)
Quarterly return on assets: 0.75% ($1.3 mil)
Return on Equity (ROE): 6.24% ($1.2 mil)
Quarterly return on equity: 6.50% ($1.3 mil)
Net income: $1.2 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.10% ($1,913.7 mil)
Quarterly Pretax return on assets: 1.27% ($2,209.4 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
50Total employees (full-time equivalent)
$173,972Total assets
$4,536Cash and due from depository institutions
$73Interest-bearing balances
$18,187Securities
$14,175Federal funds sold & reverse repurchase agreements
$122,459Net loans & leases
$2,473Loan loss allowance
$329Trading account assets
$6,122Bank premises and fixed assets
$983Other real estate owned
$0Goodwill and other intangibles
$173,972Life insurance assets
$7,181All other assets
$153,592Total liabilities and capital
$145,879Total liabilities
$105,942Total deposits
$145,879Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$329Federal funds purchased & repurchase agreements
$7,045Trading liabilities
$0Other borrowed funds
$339Subordinated debt
$20,380All other liabilities
$20,380Total equity capital
$20,380Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$17,230Surplus
$2,950Undivided profits
Memoranda
$0Noncurrent loans and leases
$172Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,772Income earned, not collected on loans
$16Earning assets
$684Long-term assets (5+ years)
$155,223Average Assets, year-to-date
$25,378Average Assets, quarterly
$179,795Volatile liabilities
$175,783Insider loans
$129,952FHLB advances
$173,461Loans and leases held for sale
$3,054Unused loan commitments
$3,054Tier 1 (core) risk-based capital
$19,771Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$18,965Restructured Loans and leases
$1,157Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,973Total interest income
$1,319Total interest expense
$6,654Net interest income
$480Provision for loan and lease losses
$901Total noninterest income
$0Fiduciary activities
$537Service charges on deposit accounts
$0Trading account gains & fees
$364Additional noninterest income
$5,134Total noninterest expense
$2,401Salaries and employee benefits
$694Premises and equipment expense
$2,039Additional noninterest expense
$1,941Pre-tax net operating income
$40Securities gains (losses)
$745Applicable income taxes
$1,236Income before extraordinary items
$0Extraordinary gains - net
$1,236Net income attributable to bank
$0Net charge-offs
$1,236Cash dividends
$364Sale, conversion, retirement of capital stock, net
$620Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.99%Yield on earning assets
0.83%Cost of funding earning assets
4.16%Net interest margin
0.56%Noninterest income to earning assets
3.21%Noninterest expense to earning assets
0.67%Net operating income to assets
0.69%Return on assets (ROA)
1.10%Pretax return on assets
6.24%Return on equity (ROE)
3.11%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
131.87%Credit loss provision to net charge-offs
6.65%Efficiency ratio
67,955Assets per employee
3.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.16%Loss allowance to loans
1.98%Loss allowance to noncurrent loans
51.82%Noncurrent assets plus other real estate owned to assets
3.31%Noncurrent loans to loans
3.82%Net loans and leases to deposits
83.95%Net loans and leases to core deposits
87.95%Equity capital to assets
11.71%Core capital (leverage) ratio
11.40%Tier 1 risk-based capital ratio
15.21%Total risk-based capital ratio
Memoranda
$16Average assets
$179,795Average earning assets
$19,823Average equity
$159,825Average loans

List of branches

5 Arkansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8523	First State Bank	3103 East Main Street, Russellville, AR 72802	January 12, 1934	Full Service Brick and Mortar
1	229738	Ola Branch	Fourche Avenue At Boles Street, Ola, AR 72853	March 05, 1942	Full Service Brick and Mortar
2	229739	Russellville Branch	501 West Main Street, Russellville, AR 72801	March 11, 1999	Full Service Brick and Mortar
5	433264	West Main Branch	3005 West Main, Russellville, AR 72801	November 08, 2004	Full Service Brick and Mortar
6	441475	University Branch	2002 North Arkansas, Russellville, AR 72801	July 05, 2005	Full Service Brick and Mortar

First State Bank in Russellville, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - 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:

First State Bank in Russellville, Arkansas (AR)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - 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:

First State Bank in Russellville, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches