Bank of Bearden in Bearden, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of Bearden in Bearden, Arkansas (AR)
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Bank of Bearden - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 8Total employees (full-time equivalent)
  • $34,875Total assets
  • $3,053Cash and due from depository institutions
  • $0Interest-bearing balances
  • $5,781Securities
  • $6,025Federal funds sold & reverse repurchase agreements
  • $19,631Net loans & leases
  • $271Loan loss allowance
  • $0Trading account assets
  • $98Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $34,875Life insurance assets
  • $287All other assets
  • $29,090Total liabilities and capital
  • $28,822Total liabilities
  • $21,143Total deposits
  • $28,822Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $268Subordinated debt
  • $5,785All other liabilities
  • $5,785Total equity capital
  • $5,785Total bank equity capital
  • $0Perpetual preferred stock
  • $8Common stock
  • $1,380Surplus
  • $4,397Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $151Income earned, not collected on loans
  • $0Earning assets
  • $138Long-term assets (5+ years)
  • $31,437Average Assets, year-to-date
  • $6,399Average Assets, quarterly
  • $35,162Volatile liabilities
  • $34,193Insider loans
  • $21,805FHLB advances
  • $34,322Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,765Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,870Restructured Loans and leases
  • $3,018Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,374Total interest income
  • $181Total interest expense
  • $1,193Net interest income
  • $16Provision for loan and lease losses
  • $57Total noninterest income
  • $0Fiduciary activities
  • $54Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3Additional noninterest income
  • $821Total noninterest expense
  • $422Salaries and employee benefits
  • $19Premises and equipment expense
  • $380Additional noninterest expense
  • $413Pre-tax net operating income
  • -$4Securities gains (losses)
  • $0Applicable income taxes
  • $409Income before extraordinary items
  • $0Extraordinary gains - net
  • $409Net income attributable to bank
  • $0Net charge-offs
  • $409Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $345Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 7.07%Return on equity (ROE)
  • 1.11%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 266.67%Credit loss provision to net charge-offs
  • 71.50%Efficiency ratio
  • 65,680Assets per employee
  • 4.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.35%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 179.47%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 68.11%Net loans and leases to core deposits
  • 70.72%Equity capital to assets
  • 16.59%Core capital (leverage) ratio
  • 16.80%Tier 1 risk-based capital ratio
  • 26.44%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $35,162Average earning assets
  • $5,787Average equity
  • $31,235Average loans

List of branches

  • 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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