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

Bank of Star City - Overview

  • General
  • FDIC Certificate #: 5634
    Status: Active
    Federal Reserve ID: 126049
    Bank Holding Company (Regulatory Top Holder): Star City Bancshares, Inc. (RSSDID: 1131723, Location: Star City, AR)
    Date Established: April 07, 1925
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 3839
    Numeric code: 13
    Regulator: FED
    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: September 07, 2011
    Last Structure Change Process Date: September 12, 2011
    Last Data Update: September 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 116 North Lincoln, Star City, AR 71667
    County: Lincoln
    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
    Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340)
    Core Based Statistical Area (CBSA): Pine Bluff, AR (#38220)
    CBSA Metro Statistical Area: Pine Bluff, AR (#38220)
  • History of Changes
  • Change in Supervisory Agency
    Change in Primary Regulatory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $104.4 mil
    Equity capital: $12.3 mil
    Deposits held in domestic offices: $83.5 mil
    Return on assets (ROA): 0.96% ($1.0 mil)
    Quarterly return on assets: 0.85% ($0.9 mil)
    Return on Equity (ROE): 8.09% ($1.0 mil)
    Quarterly return on equity: 7.01% ($0.8 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.96% ($1,002.6 mil)
    Quarterly Pretax return on assets: 0.85% ($887.8 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
  • 30Total employees (full-time equivalent)
  • $104,442Total assets
  • $5,637Cash and due from depository institutions
  • $3,748Interest-bearing balances
  • $31,129Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $61,892Net loans & leases
  • $1,757Loan loss allowance
  • $0Trading account assets
  • $3,278Bank premises and fixed assets
  • $773Other real estate owned
  • $0Goodwill and other intangibles
  • $104,442Life insurance assets
  • $1,733All other assets
  • $92,192Total liabilities and capital
  • $83,475Total liabilities
  • $65,009Total deposits
  • $83,475Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,509Trading liabilities
  • $0Other borrowed funds
  • $208Subordinated debt
  • $12,250All other liabilities
  • $12,250Total equity capital
  • $12,250Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $600Surplus
  • $11,500Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,682Income earned, not collected on loans
  • $0Earning assets
  • $784Long-term assets (5+ years)
  • $96,769Average Assets, year-to-date
  • $31,573Average Assets, quarterly
  • $102,210Volatile liabilities
  • $103,291Insider loans
  • $72,343FHLB advances
  • $103,765Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,954Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,030Restructured Loans and leases
  • $2,315Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,179Total interest income
  • $1,002Total interest expense
  • $4,177Net interest income
  • $785Provision for loan and lease losses
  • $595Total noninterest income
  • $0Fiduciary activities
  • $459Service charges on deposit accounts
  • $0Trading account gains & fees
  • $136Additional noninterest income
  • $3,007Total noninterest expense
  • $1,442Salaries and employee benefits
  • $501Premises and equipment expense
  • $1,064Additional noninterest expense
  • $980Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $980Income before extraordinary items
  • $0Extraordinary gains - net
  • $980Net income attributable to bank
  • $0Net charge-offs
  • $980Cash dividends
  • $670Sale, conversion, retirement of capital stock, net
  • $675Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.46%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 4.41%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 8.09%Return on equity (ROE)
  • 2.52%Retained earnings to average equity (YTD only)
  • 1.05%Net charge-offs to loans
  • 117.16%Credit loss provision to net charge-offs
  • 2.63%Efficiency ratio
  • 63,013Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.88%Loss allowance to loans
  • 2.76%Loss allowance to noncurrent loans
  • 104.46%Noncurrent assets plus other real estate owned to assets
  • 2.35%Noncurrent loans to loans
  • 2.64%Net loans and leases to deposits
  • 74.14%Net loans and leases to core deposits
  • 76.44%Equity capital to assets
  • 11.73%Core capital (leverage) ratio
  • 11.52%Tier 1 risk-based capital ratio
  • 16.52%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $102,210Average earning assets
  • $12,107Average equity
  • $94,795Average loans

List of branches

  • 5 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03839Bank Of Star City116 North Lincoln, Star City, AR 71667April 07, 1925Full Service Brick and Mortar
    1207933Damas Branch265 Highway 65 South, Dumas, AR 71639November 20, 1989Full Service Brick and Mortar
    2288181Pine Bluff Branch2401 East Harding, Pine Bluff, AR 71601December 05, 1986Full Service Brick and Mortar
    3364471White Hall Branch7101 Dollarway Rd, White Hall, AR 71602August 14, 2001Full Service Brick and Mortar
    4431441Watson Chapel Branch3100 Camden Road, Pine Bluff, AR 71603Febuary 16, 2004Full Service Brick and Mortar

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