Bank Star in Pacific, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank Star - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    015176Bank Star1999 West Osage Street, Pacific, MO 63069January 15, 1975Full Service Brick and Mortar

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