FDIC Certificate #: 1298 Status: Active Federal Reserve ID: 50546 Bank Holding Company (Regulatory Top Holder): Little River Bancshares Inc (RSSDID: 2463391, Location: Lepanto, AR) Date Established: January 01, 1919 WWW:http://www.littleriverbank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15397 FDIC's unique #: 873 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 02, 2011 Last Structure Change Process Date: May 12, 2011 Last Data Update: May 12, 2011 Data Source Date: April 05, 2012
Location
Address: 202 Greenwood Avenue, Lepanto, AR 72354 County: Poinsett Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Memphis Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western Combined Statistical Area (CSA): Jonesboro-Paragould, AR (#308) Core Based Statistical Area (CBSA): Jonesboro, AR (#27860) CBSA Metro Statistical Area: Jonesboro, AR (#27860)
Financial Summary
Total assets: $42.6 mil Equity capital: $4.9 mil Deposits held in domestic offices: $37.6 mil Return on assets (ROA): -0.13% (-$0.1 mil) Quarterly return on assets: -2.97% (-$1.3 mil) Return on Equity (ROE): -1.10% (-$0.1 mil) Quarterly return on equity: -23.50% (-$1.2 mil) Net income: -$0.1 mil Quarterly Net income: -$0.3 mil Pretax return on assets: -0.13% (-$55.4 mil) Quarterly Pretax return on assets: -2.97% (-$1,264.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$42,577Total assets
$6,034Cash and due from depository institutions
$556Interest-bearing balances
$9,665Securities
$11,040Federal funds sold & reverse repurchase agreements
$14,957Net loans & leases
$310Loan loss allowance
$0Trading account assets
$235Bank premises and fixed assets
$250Other real estate owned
$0Goodwill and other intangibles
$42,577Life insurance assets
$396All other assets
$37,670Total liabilities and capital
$37,552Total liabilities
$30,439Total deposits
$37,552Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$118Subordinated debt
$4,907All other liabilities
$4,907Total equity capital
$4,907Total bank equity capital
$0Perpetual preferred stock
$4Common stock
$2,496Surplus
$2,407Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$483Income earned, not collected on loans
$0Earning assets
$211Long-term assets (5+ years)
$36,218Average Assets, year-to-date
$14,895Average Assets, quarterly
$41,533Volatile liabilities
$40,001Insider loans
$16,595FHLB advances
$42,250Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,640Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$968Restructured Loans and leases
$1,658Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,859Total interest income
$252Total interest expense
$1,607Net interest income
$256Provision for loan and lease losses
$42Total noninterest income
$0Fiduciary activities
$195Service charges on deposit accounts
$0Trading account gains & fees
-$153Additional noninterest income
$1,581Total noninterest expense
$828Salaries and employee benefits
$203Premises and equipment expense
$550Additional noninterest expense
-$188Pre-tax net operating income
$132Securities gains (losses)
$0Applicable income taxes
-$56Income before extraordinary items
$0Extraordinary gains - net
-$56Net income attributable to bank
$0Net charge-offs
-$56Cash dividends
$389Sale, conversion, retirement of capital stock, net
$28Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.05%Yield on earning assets
0.68%Cost of funding earning assets
4.36%Net interest margin
0.11%Noninterest income to earning assets
4.29%Noninterest expense to earning assets
-0.45%Net operating income to assets
-0.13%Return on assets (ROA)
-0.13%Pretax return on assets
-1.10%Return on equity (ROE)
-1.66%Retained earnings to average equity (YTD only)
2.05%Net charge-offs to loans
65.81%Credit loss provision to net charge-offs
0.17%Efficiency ratio
95,876Assets per employee
2.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
-50.00%Loss allowance to loans
2.03%Loss allowance to noncurrent loans
64.18%Noncurrent assets plus other real estate owned to assets
1.72%Noncurrent loans to loans
3.16%Net loans and leases to deposits
39.83%Net loans and leases to core deposits
43.61%Equity capital to assets
11.53%Core capital (leverage) ratio
10.98%Tier 1 risk-based capital ratio
27.96%Total risk-based capital ratio
Memoranda
$29Average assets
$41,533Average earning assets
$5,074Average equity
$36,834Average loans
List of branches
1 Arkansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
873
Little River Bank
202 Greenwood Avenue, Lepanto, AR 72354
January 01, 1919
Full Service Brick and Mortar
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