Charter State Bank in Beebe, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 21, 1997

  • Charter State Bank in Beebe, Arkansas (AR)
  • Show street view No street view available for this location

Charter State Bank - Overview

  • General
  • FDIC Certificate #: 23396
    Status: Inactive
    Closing history: Office Sold
    Acquiring institution: First National Bank (#15944)
    Federal Reserve ID: 859347
    Date Established: April 20, 1981
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Interstate: No)
    OTS Docket #: 9140
    FDIC's unique #: 16401
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 20, 1981
    Last Structure Change Effective Date: November 21, 1997
    Last Structure Change Process Date: December 29, 1997
    Last Data Update: December 29, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 1500 West Dewitt Henry Drive, Beebe, AR 72012
    County: White
    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): Searcy, AR (#42620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Office Sold
  • Financial Summary
  • Total assets: $74.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $49Total assets
  • $67,179Cash and due from depository institutions
  • $4,407Interest-bearing balances
  • $1,838Securities
  • $29,383Federal funds sold & reverse repurchase agreements
  • $3,300Net loans & leases
  • $27,527Loan loss allowance
  • $233Trading account assets
  • $0Bank premises and fixed assets
  • $571Other real estate owned
  • $76Goodwill and other intangibles
  • $607Life insurance assets
  • $1,308All other assets
  • $0Total liabilities and capital
  • $67,179Total liabilities
  • $62,655Total deposits
  • $61,309Interest-bearing deposits
  • $52,544Deposits held in domestic offices
  • 61309.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,346Total equity capital
  • $1,346Total bank equity capital
  • $4,524Perpetual preferred stock
  • $500Common stock
  • $500Surplus
  • $500Undivided profits
  • Memoranda
  • $3,024Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $176Earning assets
  • $62,048Long-term assets (5+ years)
  • $9,955Average Assets, year-to-date
  • $57,368Average Assets, quarterly
  • $65,288Volatile liabilities
  • $10,855Insider loans
  • $59FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,937Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,108Total risk weighted assets
  • $26,565Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,926Total interest expense
  • $2,215Net interest income
  • $1,711Provision for loan and lease losses
  • $37Total noninterest income
  • $2,238Fiduciary activities
  • $0Service charges on deposit accounts
  • $121Trading account gains & fees
  • $0Additional noninterest income
  • $2,117Total noninterest expense
  • $3,158Salaries and employee benefits
  • $1,748Premises and equipment expense
  • $314Additional noninterest expense
  • $1,096Pre-tax net operating income
  • $754Securities gains (losses)
  • $3Applicable income taxes
  • $138Income before extraordinary items
  • $619Extraordinary gains - net
  • $0Net income attributable to bank
  • $619Net charge-offs
  • $20Cash dividends
  • $170Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.51%Cost of funding earning assets
  • 4.23%Net interest margin
  • 3.27%Noninterest income to earning assets
  • 4.28%Noninterest expense to earning assets
  • 6.04%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 1.32%Return on equity (ROE)
  • 14.28%Retained earnings to average equity (YTD only)
  • 10.36%Net charge-offs to loans
  • 0.07%Credit loss provision to net charge-offs
  • 185.00%Efficiency ratio
  • 71,309Assets per employee
  • 1.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.46%Loss allowance to loans
  • 0.84%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 44.90%Net loans and leases to core deposits
  • 54.56%Equity capital to assets
  • 6.73%Core capital (leverage) ratio
  • 7.88%Tier 1 risk-based capital ratio
  • 19.23%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $57,368Average earning assets
  • $4,336Average equity
  • $52,304Average loans

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