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

Decatur State Bank - Overview

  • General
  • FDIC Certificate #: 17346
    Status: Active
    Federal Reserve ID: 456447
    Bank Holding Company (Regulatory Top Holder): Peterson Holding Company (RSSDID: 1845619, Location: Decatur, AR)
    Date Established: August 05, 1954
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 11356
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: August 05, 1954
    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: 372 Sh 59 N, Decatur, AR 72722
    County: Benton
    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
    Metropolitan Statistical Area (MSA): Fayetteville-Springdale-Rogers, AR (#2580)
    Core Based Statistical Area (CBSA): Fayetteville-Springdale-Rogers, AR-MO (#22220)
    CBSA Metro Statistical Area: Fayetteville-Springdale-Rogers, AR-MO (#22220)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $166.0 mil
    Equity capital: $6.5 mil
    Deposits held in domestic offices: $152.3 mil
    Return on assets (ROA): -6.96% (-$11.6 mil)
    Quarterly return on assets: -1.31% (-$2.2 mil)
    Return on Equity (ROE): -100.01% (-$6.0 mil)
    Quarterly return on equity: -32.85% (-$2.0 mil)
    Net income: -$12.7 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -6.96% (-$11,553.1 mil)
    Quarterly Pretax return on assets: -1.31% (-$2,174.5 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
  • 58Total employees (full-time equivalent)
  • $165,993Total assets
  • $9,310Cash and due from depository institutions
  • $5,465Interest-bearing balances
  • $11,911Securities
  • $17,425Federal funds sold & reverse repurchase agreements
  • $117,307Net loans & leases
  • $5,656Loan loss allowance
  • $0Trading account assets
  • $4,134Bank premises and fixed assets
  • $3,646Other real estate owned
  • $0Goodwill and other intangibles
  • $165,993Life insurance assets
  • $2,260All other assets
  • $159,525Total liabilities and capital
  • $152,300Total liabilities
  • $143,238Total deposits
  • $152,300Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $225Subordinated debt
  • $6,468All other liabilities
  • $6,468Total equity capital
  • $6,468Total bank equity capital
  • $0Perpetual preferred stock
  • $350Common stock
  • $350Surplus
  • $5,768Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21,629Income earned, not collected on loans
  • $0Earning assets
  • $1,012Long-term assets (5+ years)
  • $152,108Average Assets, year-to-date
  • $53,519Average Assets, quarterly
  • $182,332Volatile liabilities
  • $169,780Insider loans
  • $125,826FHLB advances
  • $165,880Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,468Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,857Restructured Loans and leases
  • $903Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,670Total interest income
  • $2,175Total interest expense
  • $6,495Net interest income
  • $12,759Provision for loan and lease losses
  • -$400Total noninterest income
  • $0Fiduciary activities
  • $1,113Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,513Additional noninterest income
  • $6,023Total noninterest expense
  • $2,946Salaries and employee benefits
  • $1,066Premises and equipment expense
  • $2,011Additional noninterest expense
  • -$12,687Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$12,687Income before extraordinary items
  • $0Extraordinary gains - net
  • -$12,687Net income attributable to bank
  • $0Net charge-offs
  • -$12,687Cash dividends
  • $14,650Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 1.28%Cost of funding earning assets
  • 3.84%Net interest margin
  • -0.24%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • -6.96%Net operating income to assets
  • -6.96%Return on assets (ROA)
  • -6.96%Pretax return on assets
  • -100.01%Return on equity (ROE)
  • -100.01%Retained earnings to average equity (YTD only)
  • 10.00%Net charge-offs to loans
  • 87.09%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 98,819Assets per employee
  • 2.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.60%Loss allowance to noncurrent loans
  • 26.15%Noncurrent assets plus other real estate owned to assets
  • 15.23%Noncurrent loans to loans
  • 17.59%Net loans and leases to deposits
  • 77.02%Net loans and leases to core deposits
  • 99.36%Equity capital to assets
  • 3.90%Core capital (leverage) ratio
  • 3.90%Tier 1 risk-based capital ratio
  • 5.14%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $182,332Average earning assets
  • $12,686Average equity
  • $169,327Average loans

List of branches

  • 3 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011356Decatur State Bank372 Sh 59 N, Decatur, AR 72722August 05, 1954Full Service Brick and Mortar
    1241518Gentry Branch101 S Gentry Blvd, Gentry, AR 72734May 19, 1980Full Service Brick and Mortar
    2241519Bank Of Siloam Springs1660 West U.S. Highway 412, Siloam Springs, AR 72761October 09, 1996Full Service Brick and Mortar

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