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

Bank Star One - Overview

  • General
  • FDIC Certificate #: 18124
    Status: Active
    Federal Reserve ID: 1017256
    Bank Holding Company (Regulatory Top Holder): Bancstar, Inc. (RSSDID: 1097445, Location: Festus, MO)
    Date Established: December 04, 1959
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 10775
    FDIC's unique #: 12045
    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: December 04, 1959
    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: 118 West 5th Street, Fulton, MO 65251
    County: Callaway
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Jefferson City, MO (#27620)
    CBSA Metro Statistical Area: Jefferson City, MO (#27620)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $95.4 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $83.5 mil
    Return on assets (ROA): 0.22% ($0.2 mil)
    Quarterly return on assets: -0.44% (-$0.4 mil)
    Return on Equity (ROE): 2.34% ($0.2 mil)
    Quarterly return on equity: -4.71% (-$0.4 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.35% ($333.7 mil)
    Quarterly Pretax return on assets: -0.66% (-$629.3 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
  • 38Total employees (full-time equivalent)
  • $95,352Total assets
  • $6,616Cash and due from depository institutions
  • $4,264Interest-bearing balances
  • $8,885Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $74,217Net loans & leases
  • $1,350Loan loss allowance
  • $0Trading account assets
  • $3,618Bank premises and fixed assets
  • $676Other real estate owned
  • $0Goodwill and other intangibles
  • $95,352Life insurance assets
  • $1,340All other assets
  • $86,595Total liabilities and capital
  • $83,526Total liabilities
  • $72,683Total deposits
  • $83,526Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,670Trading liabilities
  • $0Other borrowed funds
  • $399Subordinated debt
  • $8,757All other liabilities
  • $8,757Total equity capital
  • $8,757Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $3,307Surplus
  • $4,850Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $345Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $316Income earned, not collected on loans
  • $0Earning assets
  • $362Long-term assets (5+ years)
  • $87,366Average Assets, year-to-date
  • $40,820Average Assets, quarterly
  • $92,661Volatile liabilities
  • $94,956Insider loans
  • $62,835FHLB advances
  • $95,705Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,703Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,888Restructured Loans and leases
  • $2,406Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,497Total interest income
  • $633Total interest expense
  • $3,864Net interest income
  • $795Provision for loan and lease losses
  • $1,367Total noninterest income
  • $0Fiduciary activities
  • $697Service charges on deposit accounts
  • $0Trading account gains & fees
  • $670Additional noninterest income
  • $4,113Total noninterest expense
  • $2,158Salaries and employee benefits
  • $514Premises and equipment expense
  • $1,441Additional noninterest expense
  • $323Pre-tax net operating income
  • $0Securities gains (losses)
  • $117Applicable income taxes
  • $206Income before extraordinary items
  • $0Extraordinary gains - net
  • $206Net income attributable to bank
  • $0Net charge-offs
  • $206Cash dividends
  • $731Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.35%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.60%Net interest margin
  • 1.63%Noninterest income to earning assets
  • 4.90%Noninterest expense to earning assets
  • 0.22%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.35%Pretax return on assets
  • 2.34%Return on equity (ROE)
  • -2.20%Retained earnings to average equity (YTD only)
  • 1.07%Net charge-offs to loans
  • 108.76%Credit loss provision to net charge-offs
  • 1.53%Efficiency ratio
  • 78,627Assets per employee
  • 2.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 194.17%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 427.22%Noncurrent assets plus other real estate owned to assets
  • 1.04%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 88.85%Net loans and leases to core deposits
  • 90.09%Equity capital to assets
  • 9.18%Core capital (leverage) ratio
  • 9.09%Tier 1 risk-based capital ratio
  • 13.85%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $92,661Average earning assets
  • $8,800Average equity
  • $84,014Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012045Bank Star One118 West 5th Street, Fulton, MO 65251December 04, 1959Full Service Brick and Mortar
    1243970New Bloomfield BranchState Road Ae, New Bloomfield, MO 65063May 29, 1973Full Service Brick and Mortar
    5243973Lake Ozark BranchHorseshoe Bend Parkway, Lake Ozark, MO 65049September 24, 1996Full Service Brick and Mortar
    6439704Bank Star One - Hyvee Branch3870 Highway D, Osage Beach, MO 65065April 05, 2005Full Service Retail

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