Bank of Bearden in Bearden, Arkansas (AR)



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Bank of Bearden
GeneralFDIC Certificate #: 16282
Status: Active
Federal Reserve ID: 311144
Bank Holding Company (Regulatory Top Holder): Bearden Bancshares, Inc. (RSSDID: 2993722, Location: Bearden, AR)
Date Established: July 05, 1945
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 10470
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: Commercial Lending Specialization
Date of Deposit Insurance: July 05, 1945
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
LocationAddress: Second And Cedar, Bearden, AR 71720
County: Ouachita
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Shreveport
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Camden, AR (#15780)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $34.9 mil
Equity capital: $5.8 mil
Deposits held in domestic offices: $28.8 mil
Return on assets (ROA): 1.16% ($0.4 mil)
Quarterly return on assets: 1.54% ($0.5 mil)
Return on Equity (ROE): 7.07% ($0.4 mil)
Quarterly return on equity: 9.05% ($0.5 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.16% ($404.6 mil)
Quarterly Pretax return on assets: 1.54% ($537.1 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)
Total employees (full-time equivalent)8
Total assets$34,875
Cash and due from depository institutions$3,053
Interest-bearing balances$0
Securities$5,781
Federal funds sold & reverse repurchase agreements$6,025
Net loans & leases$19,631
Loan loss allowance $271
Trading account assets$0
Bank premises and fixed assets$98
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$287
Life insurance assets$34,875
Total liabilities and capital$29,090
Total liabilities$28,822
Total deposits$21,143
Interest-bearing deposits$28,822
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $268
All other liabilities $5,785
Total equity capital$5,785
Total bank equity capital$5,785
Perpetual preferred stock$0
Common stock$8
Surplus$1,380
Undivided profits $4,397
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $151
Earning assets $0
Long-term assets (5+ years) $138
Average Assets, year-to-date $31,437
Average Assets, quarterly $6,399
Volatile liabilities $35,162
Insider loans $34,193
FHLB advances $21,805
Loans and leases held for sale $34,322
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,765
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,870
Derivatives$3,018
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,374
Total interest expense $181
Net interest income $1,193
Provision for loan and lease losses $16
Total noninterest income $57
Fiduciary activities $0
Service charges on deposit accounts $54
Trading account gains & fees $0
Additional noninterest income $3
Total noninterest expense $821
Salaries and employee benefits $422
Premises and equipment expense $19
Additional noninterest expense $380
Pre-tax net operating income $413
Securities gains (losses) -$4
Applicable income taxes $0
Income before extraordinary items $409
Extraordinary gains - net $0
Net income attributable to bank $409
Net charge-offs $0
Cash dividends $409
Sale, conversion, retirement of capital stock, net $6
Net operating income $345
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.40%
Cost of funding earning assets 0.58%
Net interest margin 3.82%
Noninterest income to earning assets 0.18%
Noninterest expense to earning assets 2.63%
Net operating income to assets 1.17%
Return on assets (ROA) 1.16%
Pretax return on assets 1.16%
Return on equity (ROE) 7.07%
Retained earnings to average equity (YTD only) 1.11%
Net charge-offs to loans 0.03%
Credit loss provision to net charge-offs 266.67%
Efficiency ratio71.50%
Assets per employee$65,680
Cash dividends to net income (YTD only)4.36%
Condition Ratios (%)
Loss allowance to loans 84.35%
Loss allowance to noncurrent loans 1.36%
Noncurrent assets plus other real estate owned to assets 179.47%
Noncurrent loans to loans 0.43%
Net loans and leases to deposits0.76%
Net loans and leases to core deposits 68.11%
Equity capital to assets 70.72%
Core capital (leverage) ratio 16.59%
Tier 1 risk-based capital ratio 16.80%
Total risk-based capital ratio 26.44%
Memoranda
Average assets$28
Average earning assets$35,162
Average equity $5,787
Average loans $31,235
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1 Arkansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010470Bank Of BeardenSecond And Cedar, Bearden, AR 71720July 05, 1945Full Service Brick and Mortar
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