FDIC Certificate #: 5624 Status: Active Federal Reserve ID: 942847 Bank Holding Company (Regulatory Top Holder): Bodcaw Bancshares, Inc. (RSSDID: 2712781, Location: Stamps, AR) Date Established: January 01, 1903 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 #: 3831 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: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 26, 2012 Last Structure Change Process Date: March 26, 2012 Last Data Update: March 26, 2012 Data Source Date: April 05, 2012
Location
Address: 307 Thomas Street, Stamps, AR 71860 County: Lafayette 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
History of Changes
Change in Location
Financial Summary
Total assets: $76.6 mil Equity capital: $8.6 mil Deposits held in domestic offices: $67.5 mil Return on assets (ROA): 1.00% ($0.8 mil) Quarterly return on assets: 0.48% ($0.4 mil) Return on Equity (ROE): 9.01% ($0.8 mil) Quarterly return on equity: 4.27% ($0.4 mil) Net income: $0.8 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.10% ($842.6 mil) Quarterly Pretax return on assets: 0.61% ($467.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$76,597Total assets
$3,988Cash and due from depository institutions
$100Interest-bearing balances
$44,069Securities
$0Federal funds sold & reverse repurchase agreements
$27,623Net loans & leases
$141Loan loss allowance
$0Trading account assets
$81Bank premises and fixed assets
$30Other real estate owned
$0Goodwill and other intangibles
$76,597Life insurance assets
$806All other assets
$67,992Total liabilities and capital
$67,454Total liabilities
$59,073Total deposits
$67,454Interest-bearing deposits
$91Deposits held in domestic offices
75.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$463Subordinated debt
$8,605All other liabilities
$8,605Total equity capital
$8,605Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$3,000Surplus
$5,355Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$300Income earned, not collected on loans
$0Earning assets
$621Long-term assets (5+ years)
$71,792Average Assets, year-to-date
$43,765Average Assets, quarterly
$75,954Volatile liabilities
$76,668Insider loans
$38,837FHLB advances
$77,206Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,131Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,610Restructured Loans and leases
$1,950Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,472Total interest income
$1,246Total interest expense
$2,226Net interest income
$56Provision for loan and lease losses
$156Total noninterest income
$0Fiduciary activities
$97Service charges on deposit accounts
$0Trading account gains & fees
$59Additional noninterest income
$1,511Total noninterest expense
$773Salaries and employee benefits
$105Premises and equipment expense
$633Additional noninterest expense
$815Pre-tax net operating income
$17Securities gains (losses)
$72Applicable income taxes
$760Income before extraordinary items
$0Extraordinary gains - net
$760Net income attributable to bank
$0Net charge-offs
$760Cash dividends
$70Sale, conversion, retirement of capital stock, net
$500Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.88%Yield on earning assets
1.75%Cost of funding earning assets
3.13%Net interest margin
0.22%Noninterest income to earning assets
2.12%Noninterest expense to earning assets
0.98%Net operating income to assets
1.00%Return on assets (ROA)
1.10%Pretax return on assets
9.01%Return on equity (ROE)
3.08%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
80.00%Credit loss provision to net charge-offs
12.44%Efficiency ratio
63,434Assets per employee
5.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.79%Loss allowance to loans
0.51%Loss allowance to noncurrent loans
47.00%Noncurrent assets plus other real estate owned to assets
0.43%Noncurrent loans to loans
1.08%Net loans and leases to deposits
40.95%Net loans and leases to core deposits
50.72%Equity capital to assets
11.23%Core capital (leverage) ratio
10.53%Tier 1 risk-based capital ratio
20.94%Total risk-based capital ratio
Memoranda
$21Average assets
$75,954Average earning assets
$8,436Average equity
$71,196Average loans
List of branches
1 Arkansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3831
Bodcaw Bank
307 Thomas Street, Stamps, AR 71860
January 01, 1903
Full Service Brick and Mortar
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