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

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

  • General
  • FDIC Certificate #: 99
    Status: Active
    Federal Reserve ID: 455945
    Date Established: June 16, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 79
    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: 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: 503 E Antioch Street, Delight, AR 71940
    County: Pike
    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
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $80.3 mil
    Equity capital: $16.8 mil
    Deposits held in domestic offices: $63.2 mil
    Return on assets (ROA): 1.35% ($1.1 mil)
    Quarterly return on assets: 0.95% ($0.8 mil)
    Return on Equity (ROE): 6.69% ($1.1 mil)
    Quarterly return on equity: 4.60% ($0.8 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.35% ($1,084.6 mil)
    Quarterly Pretax return on assets: 0.95% ($763.2 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
  • 19Total employees (full-time equivalent)
  • $80,342Total assets
  • $2,745Cash and due from depository institutions
  • $1,425Interest-bearing balances
  • $22,232Securities
  • $10,175Federal funds sold & reverse repurchase agreements
  • $43,375Net loans & leases
  • $896Loan loss allowance
  • $0Trading account assets
  • $314Bank premises and fixed assets
  • $366Other real estate owned
  • $0Goodwill and other intangibles
  • $80,342Life insurance assets
  • $1,135All other assets
  • $63,560Total liabilities and capital
  • $63,162Total liabilities
  • $56,947Total deposits
  • $63,162Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $296Trading liabilities
  • $0Other borrowed funds
  • $102Subordinated debt
  • $16,782All other liabilities
  • $16,782Total equity capital
  • $16,782Total bank equity capital
  • $0Perpetual preferred stock
  • $16Common stock
  • $1,950Surplus
  • $14,816Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,422Income earned, not collected on loans
  • $0Earning assets
  • $449Long-term assets (5+ years)
  • $77,207Average Assets, year-to-date
  • $12,792Average Assets, quarterly
  • $82,244Volatile liabilities
  • $81,475Insider loans
  • $51,078FHLB advances
  • $82,742Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,757Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,077Restructured Loans and leases
  • $3,188Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,385Total interest income
  • $661Total interest expense
  • $2,724Net interest income
  • $100Provision for loan and lease losses
  • $115Total noninterest income
  • $0Fiduciary activities
  • $93Service charges on deposit accounts
  • $0Trading account gains & fees
  • $22Additional noninterest income
  • $1,637Total noninterest expense
  • $922Salaries and employee benefits
  • $113Premises and equipment expense
  • $602Additional noninterest expense
  • $1,102Pre-tax net operating income
  • $6Securities gains (losses)
  • $0Applicable income taxes
  • $1,108Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,108Net income attributable to bank
  • $0Net charge-offs
  • $1,108Cash dividends
  • $57Sale, conversion, retirement of capital stock, net
  • $709Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.48%Net interest margin
  • 0.15%Noninterest income to earning assets
  • 2.09%Noninterest expense to earning assets
  • 1.34%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 6.69%Return on equity (ROE)
  • 2.41%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 175.44%Credit loss provision to net charge-offs
  • 21.09%Efficiency ratio
  • 57,661Assets per employee
  • 4.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.99%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 63.01%Noncurrent assets plus other real estate owned to assets
  • 2.23%Noncurrent loans to loans
  • 3.21%Net loans and leases to deposits
  • 68.67%Net loans and leases to core deposits
  • 72.27%Equity capital to assets
  • 20.89%Core capital (leverage) ratio
  • 20.25%Tier 1 risk-based capital ratio
  • 32.81%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $82,244Average earning assets
  • $16,559Average equity
  • $78,231Average loans

List of branches

  • 2 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    079Bank Of Delight503 E Antioch Street, Delight, AR 71940June 16, 1911Full Service Brick and Mortar
    141779Prescott Branch106 East Second Street, Prescott, AR 71857May 01, 1934Full Service Brick and Mortar

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