Diamond Bank in Murfreesboro, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Diamond Bank in Murfreesboro, Arkansas (AR)
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Diamond Bank - Overview

  • General
  • FDIC Certificate #: 1527
    Status: Active
    Federal Reserve ID: 27847
    Bank Holding Company (Regulatory Top Holder): Bainum Bancorp (RSSDID: 1491333, Location: Glenwood, AR)
    Date Established: December 16, 1904
    WWW: http://www.diamondbanking.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 14755
    FDIC's unique #: 1007
    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: January 01, 1934
    Last Structure Change Effective Date: December 01, 2011
    Last Structure Change Process Date: December 01, 2011
    Last Data Update: December 01, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 319 East Main Street, Murfreesboro, AR 71958
    County: Pike
    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
  • Financial Summary
  • Total assets: $437.7 mil
    Equity capital: $49.1 mil
    Deposits held in domestic offices: $365.3 mil
    Return on assets (ROA): 0.97% ($4.2 mil)
    Quarterly return on assets: 0.33% ($1.4 mil)
    Return on Equity (ROE): 9.30% ($4.6 mil)
    Quarterly return on equity: 2.95% ($1.4 mil)
    Net income: $4.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.97% ($4,246.0 mil)
    Quarterly Pretax return on assets: 0.33% ($1,444.5 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
  • 121Total employees (full-time equivalent)
  • $437,737Total assets
  • $16,885Cash and due from depository institutions
  • $9,464Interest-bearing balances
  • $138,142Securities
  • $3,150Federal funds sold & reverse repurchase agreements
  • $256,473Net loans & leases
  • $7,840Loan loss allowance
  • $0Trading account assets
  • $8,423Bank premises and fixed assets
  • $1,666Other real estate owned
  • $0Goodwill and other intangibles
  • $437,737Life insurance assets
  • $12,998All other assets
  • $388,626Total liabilities and capital
  • $365,267Total liabilities
  • $316,279Total deposits
  • $365,267Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,146Trading liabilities
  • $0Other borrowed funds
  • $1,213Subordinated debt
  • $49,111All other liabilities
  • $49,111Total equity capital
  • $49,111Total bank equity capital
  • $0Perpetual preferred stock
  • $430Common stock
  • $1,982Surplus
  • $46,699Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,038Income earned, not collected on loans
  • $0Earning assets
  • $2,553Long-term assets (5+ years)
  • $407,229Average Assets, year-to-date
  • $131,554Average Assets, quarterly
  • $449,703Volatile liabilities
  • $441,806Insider loans
  • $268,508FHLB advances
  • $442,382Loans and leases held for sale
  • $7,216Unused loan commitments
  • $3,535Tier 1 (core) risk-based capital
  • $43,152Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,681Total unused commitments
  • $9,289Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,691Total interest income
  • $5,234Total interest expense
  • $17,457Net interest income
  • $5,489Provision for loan and lease losses
  • $3,540Total noninterest income
  • $0Fiduciary activities
  • $1,778Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,762Additional noninterest income
  • $12,676Total noninterest expense
  • $5,541Salaries and employee benefits
  • $1,943Premises and equipment expense
  • $5,192Additional noninterest expense
  • $2,832Pre-tax net operating income
  • $1,516Securities gains (losses)
  • $0Applicable income taxes
  • $4,348Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,348Net income attributable to bank
  • $0Net charge-offs
  • $4,348Cash dividends
  • $2,579Sale, conversion, retirement of capital stock, net
  • $2,125Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.42%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.03%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 9.30%Return on equity (ROE)
  • 4.75%Retained earnings to average equity (YTD only)
  • 0.92%Net charge-offs to loans
  • 212.83%Credit loss provision to net charge-offs
  • 3.23%Efficiency ratio
  • 60,371Assets per employee
  • 3.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.87%Loss allowance to loans
  • 2.97%Loss allowance to noncurrent loans
  • 111.40%Noncurrent assets plus other real estate owned to assets
  • 1.99%Noncurrent loans to loans
  • 2.66%Net loans and leases to deposits
  • 70.22%Net loans and leases to core deposits
  • 76.31%Equity capital to assets
  • 11.22%Core capital (leverage) ratio
  • 9.75%Tier 1 risk-based capital ratio
  • 16.07%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $449,703Average earning assets
  • $46,766Average equity
  • $418,644Average loans

List of branches

  • 13 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01007Diamond Bank319 East Main Street, Murfreesboro, AR 71958December 16, 1904Full Service Brick and Mortar
    1189671Mineral Springs Branch100 W Runnels Street, Mineral Springs, AR 71851October 20, 1951Full Service Brick and Mortar
    241737Nashville Branch301 North Main, Nashville, AR 71852April 01, 1934Full Service Brick and Mortar
    3189672Dierks BranchHighway 4, Dierks, AR 71833October 31, 1994Full Service Brick and Mortar
    4189673Dequeen Branch404 E. Collin Raye Drive, Dequeen, AR 71832July 19, 1999Full Service Brick and Mortar
    5362121Hope Branch400 South Main, Hope, AR 71801May 21, 2001Full Service Brick and Mortar
    7229457Highways 70 And 70 B BranchHighways 70 And 70 B, Glenwood, AR 71943July 11, 1986Full Service Brick and Mortar
    8229458Mount Ida BranchHighway 270 East And Cedar Street, Mount Ida, AR 71957January 03, 1994Full Service Brick and Mortar
    9229459Mena Branch203 Highway 71 North, Mena, AR 71953April 20, 1998Full Service Brick and Mortar
    10229460Arkansas Diamond Branch1200 Airport Road, Hot Springs, AR 71913November 02, 1999Full Service Brick and Mortar
    11480010Dogwood Branch3948 Central Avenue, Suite F, Hot Springs, AR 71913September 26, 2007Full Service Brick and Mortar
    12480011Lakeside Branch Diamond Bank Branch2350 Malvern Avenue Suite B, Hot Springs, AR 71901January 16, 2008Full Service Brick and Mortar
    13495394Nashville Branch1410 South 4th Street, Nashville, AR 71852July 23, 2009Full Service Brick and Mortar

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