COMMUNITY STATE BANK in Bradley, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • COMMUNITY STATE BANK in Bradley, Arkansas (AR)
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COMMUNITY STATE BANK - Overview

  • General
  • FDIC Certificate #: 5619
    Status: Active
    Federal Reserve ID: 378044
    Bank Holding Company (Regulatory Top Holder): Allcorp Inc (RSSDID: 4152877, Location: Little Rock, AR)
    Date Established: January 01, 1933
    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 #: 3827
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 208 West 4th Street, Bradley, AR 71826
    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: $30.1 mil
    Equity capital: $3.3 mil
    Deposits held in domestic offices: $26.8 mil
    Return on assets (ROA): 0.66% ($0.2 mil)
    Quarterly return on assets: 0.90% ($0.3 mil)
    Return on Equity (ROE): 5.79% ($0.2 mil)
    Quarterly return on equity: 8.13% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.08% ($325.5 mil)
    Quarterly Pretax return on assets: 1.47% ($443.1 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
  • 7Total employees (full-time equivalent)
  • $30,141Total assets
  • $1,871Cash and due from depository institutions
  • $297Interest-bearing balances
  • $5,698Securities
  • $2,511Federal funds sold & reverse repurchase agreements
  • $18,232Net loans & leases
  • $293Loan loss allowance
  • $0Trading account assets
  • $708Bank premises and fixed assets
  • $176Other real estate owned
  • $673Goodwill and other intangibles
  • $30,141Life insurance assets
  • $272All other assets
  • $26,862Total liabilities and capital
  • $26,774Total liabilities
  • $15,520Total deposits
  • $26,774Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $88Subordinated debt
  • $3,279All other liabilities
  • $3,279Total equity capital
  • $3,279Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,796Surplus
  • $1,383Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $98Income earned, not collected on loans
  • $0Earning assets
  • $135Long-term assets (5+ years)
  • $26,738Average Assets, year-to-date
  • $4,896Average Assets, quarterly
  • $28,093Volatile liabilities
  • $29,429Insider loans
  • $18,644FHLB advances
  • $28,793Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,606Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,240Restructured Loans and leases
  • $157Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,238Total interest income
  • $286Total interest expense
  • $952Net interest income
  • $135Provision for loan and lease losses
  • $139Total noninterest income
  • $0Fiduciary activities
  • $116Service charges on deposit accounts
  • $0Trading account gains & fees
  • $23Additional noninterest income
  • $654Total noninterest expense
  • $252Salaries and employee benefits
  • $156Premises and equipment expense
  • $246Additional noninterest expense
  • $302Pre-tax net operating income
  • $0Securities gains (losses)
  • $116Applicable income taxes
  • $186Income before extraordinary items
  • $0Extraordinary gains - net
  • $186Net income attributable to bank
  • $0Net charge-offs
  • $186Cash dividends
  • $40Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 5.79%Return on equity (ROE)
  • 2.68%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 337.50%Credit loss provision to net charge-offs
  • 10.93%Efficiency ratio
  • 59,945Assets per employee
  • 4.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.76%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 298.98%Noncurrent assets plus other real estate owned to assets
  • 0.91%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 68.10%Net loans and leases to core deposits
  • 70.75%Equity capital to assets
  • 10.88%Core capital (leverage) ratio
  • 9.05%Tier 1 risk-based capital ratio
  • 13.98%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $28,093Average earning assets
  • $3,213Average equity
  • $25,258Average loans

List of branches

  • 2 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03827Community State Bank208 West 4th Street, Bradley, AR 71826January 01, 1933Full Service Brick and Mortar
    1520808Jacksonville Loan Production Office104-B North James Street, Jacksonville, AR 72076June 15, 2011Limited Service Loan Production

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