Bank Star of the BootHeel in Steele, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank Star of the BootHeel - Overview

  • General
  • FDIC Certificate #: 10629
    Status: Active
    Federal Reserve ID: 435358
    Bank Holding Company (Regulatory Top Holder): Bancstar, Inc. (RSSDID: 1097445, Location: Festus, MO)
    Date Established: January 01, 1904
    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: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10137
    FDIC's unique #: 6813
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 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: 101 West Main Street, Steele, MO 63877
    County: Pemiscot
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $95.4 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $86.9 mil
    Return on assets (ROA): 1.00% ($0.9 mil)
    Quarterly return on assets: 1.00% ($0.9 mil)
    Return on Equity (ROE): 11.80% ($0.9 mil)
    Quarterly return on equity: 12.24% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.58% ($1,507.6 mil)
    Quarterly Pretax return on assets: 1.60% ($1,526.7 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
  • 34Total employees (full-time equivalent)
  • $95,419Total assets
  • $14,010Cash and due from depository institutions
  • $9,042Interest-bearing balances
  • $9,706Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $68,647Net loans & leases
  • $1,136Loan loss allowance
  • $0Trading account assets
  • $1,337Bank premises and fixed assets
  • $63Other real estate owned
  • $10Goodwill and other intangibles
  • $95,419Life insurance assets
  • $1,646All other assets
  • $87,366Total liabilities and capital
  • $86,901Total liabilities
  • $71,939Total deposits
  • $86,901Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $465Subordinated debt
  • $8,053All other liabilities
  • $8,053Total equity capital
  • $8,053Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $3,390Surplus
  • $4,563Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $514Income earned, not collected on loans
  • $0Earning assets
  • $862Long-term assets (5+ years)
  • $87,395Average Assets, year-to-date
  • $18,727Average Assets, quarterly
  • $94,069Volatile liabilities
  • $98,274Insider loans
  • $63,758FHLB advances
  • $96,970Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,983Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,326Restructured Loans and leases
  • $2,948Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,070Total interest income
  • $726Total interest expense
  • $4,344Net interest income
  • $410Provision for loan and lease losses
  • $915Total noninterest income
  • $0Fiduciary activities
  • $772Service charges on deposit accounts
  • $0Trading account gains & fees
  • $143Additional noninterest income
  • $3,367Total noninterest expense
  • $1,841Salaries and employee benefits
  • $284Premises and equipment expense
  • $1,242Additional noninterest expense
  • $1,482Pre-tax net operating income
  • $0Securities gains (losses)
  • $542Applicable income taxes
  • $940Income before extraordinary items
  • $0Extraordinary gains - net
  • $940Net income attributable to bank
  • $0Net charge-offs
  • $940Cash dividends
  • $304Sale, conversion, retirement of capital stock, net
  • $850Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.82%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 4.99%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 3.87%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 11.80%Return on equity (ROE)
  • 1.13%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 134.87%Credit loss provision to net charge-offs
  • 6.22%Efficiency ratio
  • 63,453Assets per employee
  • 2.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.43%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 221.01%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.74%Net loans and leases to deposits
  • 78.99%Net loans and leases to core deposits
  • 90.48%Equity capital to assets
  • 8.44%Core capital (leverage) ratio
  • 8.23%Tier 1 risk-based capital ratio
  • 12.52%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $94,069Average earning assets
  • $7,966Average equity
  • $87,044Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06813Bank Star Of The Bootheel101 West Main Street, Steele, MO 63877January 01, 1904Full Service Brick and Mortar
    2279895Caruthersville Branch713 Ward Avenue, Caruthersville, MO 63830January 01, 1907Full Service Brick and Mortar

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