Hot Springs Bank & Trust Company in Hot Springs, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Hot Springs Bank & Trust Company in Hot Springs, Arkansas (AR)
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Hot Springs Bank & Trust Company routing number info

Hot Springs Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 3855
    Status: Active
    Federal Reserve ID: 3377954
    Bank Holding Company (Regulatory Top Holder): Jefferson Bancshares, Inc. (RSSDID: 2267665, Location: Pine Bluff, AR)
    Date Established: January 01, 1920
    WWW: http://www.hsbanking.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 10814
    FDIC's unique #: 2510
    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 01, 1934
    Last Structure Change Effective Date: September 14, 2010
    Last Structure Change Process Date: September 14, 2010
    Last Data Update: September 14, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 4446 Central Avenue, Hot Springs, AR 71913
    County: Garland
    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): Hot Springs, AR (#26300)
    CBSA Metro Statistical Area: Hot Springs, AR (#26300)
  • Financial Summary
  • Total assets: $95.9 mil
    Equity capital: $10.4 mil
    Deposits held in domestic offices: $85.1 mil
    Return on assets (ROA): -2.33% (-$2.2 mil)
    Quarterly return on assets: -2.84% (-$2.7 mil)
    Return on Equity (ROE): -23.03% (-$2.3 mil)
    Quarterly return on equity: -25.56% (-$2.6 mil)
    Net income: -$2.3 mil
    Quarterly Net income: -$0.7 mil
    Pretax return on assets: -2.33% (-$2,235.1 mil)
    Quarterly Pretax return on assets: -2.84% (-$2,724.3 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
  • 30Total employees (full-time equivalent)
  • $95,926Total assets
  • $4,057Cash and due from depository institutions
  • $34Interest-bearing balances
  • $14,655Securities
  • $5,200Federal funds sold & reverse repurchase agreements
  • $63,629Net loans & leases
  • $1,910Loan loss allowance
  • $0Trading account assets
  • $4,626Bank premises and fixed assets
  • $2,066Other real estate owned
  • $225Goodwill and other intangibles
  • $95,926Life insurance assets
  • $1,468All other assets
  • $85,571Total liabilities and capital
  • $85,076Total liabilities
  • $71,074Total deposits
  • $85,076Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $313Trading liabilities
  • $0Other borrowed funds
  • $182Subordinated debt
  • $10,355All other liabilities
  • $10,355Total equity capital
  • $10,355Total bank equity capital
  • $3,500Perpetual preferred stock
  • $1Common stock
  • $12,723Surplus
  • $-5,869Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,373Income earned, not collected on loans
  • $0Earning assets
  • $272Long-term assets (5+ years)
  • $83,518Average Assets, year-to-date
  • $3,026Average Assets, quarterly
  • $98,739Volatile liabilities
  • $96,322Insider loans
  • $64,566FHLB advances
  • $95,767Loans and leases held for sale
  • $821Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,035Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $821Total unused commitments
  • $5,970Restructured Loans and leases
  • $2,431Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,128Total interest income
  • $930Total interest expense
  • $3,198Net interest income
  • $1,375Provision for loan and lease losses
  • -$41Total noninterest income
  • $115Fiduciary activities
  • $131Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$287Additional noninterest income
  • $4,080Total noninterest expense
  • $1,802Salaries and employee benefits
  • $514Premises and equipment expense
  • $1,764Additional noninterest expense
  • -$2,298Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$2,298Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,298Net income attributable to bank
  • $0Net charge-offs
  • -$2,298Cash dividends
  • $1,118Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.66%Net interest margin
  • -0.05%Noninterest income to earning assets
  • 4.67%Noninterest expense to earning assets
  • -2.33%Net operating income to assets
  • -2.33%Return on assets (ROA)
  • -2.33%Pretax return on assets
  • -23.03%Return on equity (ROE)
  • -23.03%Retained earnings to average equity (YTD only)
  • 1.65%Net charge-offs to loans
  • 122.99%Credit loss provision to net charge-offs
  • -0.83%Efficiency ratio
  • 129,237Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.91%Loss allowance to noncurrent loans
  • 80.49%Noncurrent assets plus other real estate owned to assets
  • 4.63%Noncurrent loans to loans
  • 3.62%Net loans and leases to deposits
  • 74.79%Net loans and leases to core deposits
  • 76.61%Equity capital to assets
  • 10.79%Core capital (leverage) ratio
  • 10.48%Tier 1 risk-based capital ratio
  • 15.54%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $98,739Average earning assets
  • $9,980Average equity
  • $87,390Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $16,435Managed Assets
  • 1Number of Accounts
  • $8,767Personal trust and agency accounts
  • $2,745Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,128Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $4,894Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 142Number of Accounts
  • $0Personal trust and agency accounts
  • $1,128Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $7,668Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $7,668Fiduciary accounts held in foreign offices

List of branches

  • 5 Arkansas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    02510Hot Springs Bank & Trust Company4446 Central Avenue, Hot Springs, AR 71913January 01, 1920Full Service Brick and Mortar
    5448877Hot Springs Village Branch400 Ponce De Leon, Hot Springs, AR 71909Febuary 27, 2006Full Service Brick and Mortar
    6467507Downtown Branch105 Convention Boulevard, Hot Springs, AR 71901August 07, 2007Limited Service Administrative
    7479628Hsv Village Square Branch4579 Hwy 7 North, Hot Springs, AR 71909May 13, 2008Full Service Brick and Mortar
    8479629Airport Road Branch102 Airport Road, Hot Springs, AR 71913December 26, 2007Full Service Brick and Mortar

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