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

Bank of Cave City - Overview

  • General
  • FDIC Certificate #: 105
    Status: Active
    Federal Reserve ID: 629148
    Bank Holding Company (Regulatory Top Holder): Sharp Bancshares, Inc. (RSSDID: 1099663, Location: Cave City, AR)
    Date Established: July 01, 1906
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13834
    FDIC's unique #: 85
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 133 S Main Street, Cave City, AR 72521
    County: Sharp
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $93.8 mil
    Equity capital: $10.2 mil
    Deposits held in domestic offices: $75.7 mil
    Return on assets (ROA): 0.79% ($0.7 mil)
    Quarterly return on assets: -0.01% (-$0.0 mil)
    Return on Equity (ROE): 7.47% ($0.7 mil)
    Quarterly return on equity: -0.12% (-$0.0 mil)
    Net income: $0.7 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.79% ($740.9 mil)
    Quarterly Pretax return on assets: -0.01% (-$9.4 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
  • 35Total employees (full-time equivalent)
  • $93,787Total assets
  • $3,411Cash and due from depository institutions
  • $974Interest-bearing balances
  • $23,579Securities
  • $400Federal funds sold & reverse repurchase agreements
  • $58,278Net loans & leases
  • $896Loan loss allowance
  • $0Trading account assets
  • $1,043Bank premises and fixed assets
  • $951Other real estate owned
  • $270Goodwill and other intangibles
  • $93,787Life insurance assets
  • $5,855All other assets
  • $83,633Total liabilities and capital
  • $75,700Total liabilities
  • $69,782Total deposits
  • $75,700Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,634Trading liabilities
  • $0Other borrowed funds
  • $1,299Subordinated debt
  • $10,154All other liabilities
  • $10,154Total equity capital
  • $10,154Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,819Surplus
  • $8,235Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,511Income earned, not collected on loans
  • $2,411Earning assets
  • $727Long-term assets (5+ years)
  • $83,231Average Assets, year-to-date
  • $26,128Average Assets, quarterly
  • $95,140Volatile liabilities
  • $94,995Insider loans
  • $51,234FHLB advances
  • $95,146Loans and leases held for sale
  • $3,139Unused loan commitments
  • $3,139Tier 1 (core) risk-based capital
  • $9,417Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,240Restructured Loans and leases
  • $797Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,662Total interest income
  • $1,038Total interest expense
  • $3,624Net interest income
  • $110Provision for loan and lease losses
  • $554Total noninterest income
  • $0Fiduciary activities
  • $359Service charges on deposit accounts
  • $0Trading account gains & fees
  • $195Additional noninterest income
  • $3,384Total noninterest expense
  • $1,834Salaries and employee benefits
  • $295Premises and equipment expense
  • $1,255Additional noninterest expense
  • $684Pre-tax net operating income
  • $64Securities gains (losses)
  • $0Applicable income taxes
  • $748Income before extraordinary items
  • $0Extraordinary gains - net
  • $748Net income attributable to bank
  • $0Net charge-offs
  • $748Cash dividends
  • $56Sale, conversion, retirement of capital stock, net
  • $560Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.50%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 4.28%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 4.00%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.79%Pretax return on assets
  • 7.47%Return on equity (ROE)
  • 1.88%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 196.43%Credit loss provision to net charge-offs
  • 14.18%Efficiency ratio
  • 80,996Assets per employee
  • 2.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.87%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 25.52%Noncurrent assets plus other real estate owned to assets
  • 4.76%Noncurrent loans to loans
  • 5.93%Net loans and leases to deposits
  • 76.99%Net loans and leases to core deposits
  • 79.48%Equity capital to assets
  • 10.83%Core capital (leverage) ratio
  • 9.90%Tier 1 risk-based capital ratio
  • 18.38%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $95,140Average earning assets
  • $10,013Average equity
  • $84,705Average loans

List of branches

  • 4 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    085Bank Of Cave City133 S Main Street, Cave City, AR 72521July 01, 1906Full Service Brick and Mortar
    1362035Lynn Branch137 Arkansas Highway 25, Lynn, AR 72440September 24, 2001Full Service Brick and Mortar
    2418432Evening Shade Branch2089 Evening Shade Drive, Evening Shade, AR 72532March 08, 2003Full Service Brick and Mortar
    4251921Strawberry Branch114 West River Drive, Strawberry, AR 72469October 05, 1974Full Service Brick and Mortar

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