Bank Star of the LeadBelt in Park Hills, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bank Star of the LeadBelt in Park Hills, Missouri (MO)
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Bank Star of the LeadBelt - Overview

  • General
  • FDIC Certificate #: 16107
    Status: Active
    Federal Reserve ID: 862552
    Bank Holding Company (Regulatory Top Holder): Bancstar, Inc. (RSSDID: 1097445, Location: Festus, MO)
    Date Established: May 01, 1905
    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: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 10515
    FDIC's unique #: 10324
    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: November 30, 1943
    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: 365 West Main Street, Park Hills, MO 63601
    County: St. Francois
    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
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): Farmington, MO (#22100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $112.4 mil
    Equity capital: $9.5 mil
    Deposits held in domestic offices: $98.7 mil
    Return on assets (ROA): 0.01% ($0.0 mil)
    Quarterly return on assets: -0.71% (-$0.8 mil)
    Return on Equity (ROE): 0.12% ($0.0 mil)
    Quarterly return on equity: -8.23% (-$0.7 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: 0.01% ($11.2 mil)
    Quarterly Pretax return on assets: -1.21% (-$1,360.4 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
  • 45Total employees (full-time equivalent)
  • $112,431Total assets
  • $13,301Cash and due from depository institutions
  • $8,571Interest-bearing balances
  • $9,136Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $82,933Net loans & leases
  • $1,520Loan loss allowance
  • $0Trading account assets
  • $4,436Bank premises and fixed assets
  • $1,285Other real estate owned
  • $0Goodwill and other intangibles
  • $112,431Life insurance assets
  • $1,340All other assets
  • $102,960Total liabilities and capital
  • $98,710Total liabilities
  • $83,360Total deposits
  • $98,710Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 3854.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $396Subordinated debt
  • $9,471All other liabilities
  • $9,471Total equity capital
  • $9,471Total bank equity capital
  • $0Perpetual preferred stock
  • $110Common stock
  • $4,515Surplus
  • $4,846Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,033Income earned, not collected on loans
  • $0Earning assets
  • $344Long-term assets (5+ years)
  • $100,640Average Assets, year-to-date
  • $48,927Average Assets, quarterly
  • $111,647Volatile liabilities
  • $111,703Insider loans
  • $70,095FHLB advances
  • $111,563Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,421Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,120Restructured Loans and leases
  • $896Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,515Total interest income
  • $924Total interest expense
  • $4,591Net interest income
  • $1,465Provision for loan and lease losses
  • $1,384Total noninterest income
  • $0Fiduciary activities
  • $1,368Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16Additional noninterest income
  • $4,504Total noninterest expense
  • $2,174Salaries and employee benefits
  • $525Premises and equipment expense
  • $1,805Additional noninterest expense
  • $6Pre-tax net operating income
  • $0Securities gains (losses)
  • -$6Applicable income taxes
  • $12Income before extraordinary items
  • $0Extraordinary gains - net
  • $12Net income attributable to bank
  • $0Net charge-offs
  • $12Cash dividends
  • $1,135Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 4.54%Net interest margin
  • 1.37%Noninterest income to earning assets
  • 4.45%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • 0.01%Pretax return on assets
  • 0.12%Return on equity (ROE)
  • -1.94%Retained earnings to average equity (YTD only)
  • 1.28%Net charge-offs to loans
  • 129.07%Credit loss provision to net charge-offs
  • 1.30%Efficiency ratio
  • 75,381Assets per employee
  • 2.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1666.67%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 147.14%Noncurrent assets plus other real estate owned to assets
  • 2.06%Noncurrent loans to loans
  • 1.22%Net loans and leases to deposits
  • 84.02%Net loans and leases to core deposits
  • 88.77%Equity capital to assets
  • 8.42%Core capital (leverage) ratio
  • 8.44%Tier 1 risk-based capital ratio
  • 13.44%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $111,647Average earning assets
  • $9,668Average equity
  • $101,129Average loans

List of branches

  • 6 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010324Bank Star Of The Leadbelt365 West Main Street, Park Hills, MO 63601May 01, 1905Full Service Brick and Mortar
    2237310Leadwood Facility613 Bank Street, Leadwood, MO 63653March 04, 1988Full Service Brick and Mortar
    3237311Desloge Branch1135 North Desloge Drive, Desloge, MO 63601May 23, 1996Full Service Brick and Mortar
    4237312Wal-Mart Supercenter Branch701 Walton Drive, Farmington, MO 63640July 14, 1997Full Service Retail
    5237313Festus Super Center Wal-Mart Branch650 South Truman Boulevard, Festus, MO 63028November 17, 1997Full Service Retail
    6451726Festus BranchHighway A And Collins Road, Festus, MO 63028June 05, 2006Full Service Brick and Mortar

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