First Delta Bank in Marked Tree, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Delta Bank - Overview

  • General
  • FDIC Certificate #: 17047
    Status: Active
    Federal Reserve ID: 713140
    Bank Holding Company (Regulatory Top Holder): Tyronza Bancshares, Inc. (RSSDID: 1139783, Location: Marked Tree, AR)
    Date Established: October 17, 1951
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 11108
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: October 17, 1951
    Last Structure Change Effective Date: July 01, 2011
    Last Structure Change Process Date: July 13, 2011
    Last Data Update: July 13, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 214 Hester Parker Drive, Marked Tree, AR 72365
    County: Poinsett
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Jonesboro-Paragould, AR (#308)
    Core Based Statistical Area (CBSA): Jonesboro, AR (#27860)
    CBSA Metro Statistical Area: Jonesboro, AR (#27860)
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $68.0 mil
    Equity capital: $5.3 mil
    Deposits held in domestic offices: $61.9 mil
    Return on assets (ROA): 0.88% ($0.6 mil)
    Quarterly return on assets: 0.16% ($0.1 mil)
    Return on Equity (ROE): 9.38% ($0.5 mil)
    Quarterly return on equity: 1.82% ($0.1 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.32% ($898.1 mil)
    Quarterly Pretax return on assets: 0.97% ($660.0 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
  • 18Total employees (full-time equivalent)
  • $68,041Total assets
  • $3,921Cash and due from depository institutions
  • $96Interest-bearing balances
  • $24,039Securities
  • $19,850Federal funds sold & reverse repurchase agreements
  • $18,387Net loans & leases
  • $517Loan loss allowance
  • $0Trading account assets
  • $642Bank premises and fixed assets
  • $60Other real estate owned
  • $0Goodwill and other intangibles
  • $68,041Life insurance assets
  • $1,142All other assets
  • $62,710Total liabilities and capital
  • $61,895Total liabilities
  • $39,743Total deposits
  • $61,895Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $815Subordinated debt
  • $5,331All other liabilities
  • $5,331Total equity capital
  • $5,331Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $2,500Surplus
  • $2,781Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $517Long-term assets (5+ years)
  • $62,372Average Assets, year-to-date
  • $16,454Average Assets, quarterly
  • $56,153Volatile liabilities
  • $63,024Insider loans
  • $27,422FHLB advances
  • $54,957Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,014Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,092Restructured Loans and leases
  • $303Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,470Total interest income
  • $403Total interest expense
  • $2,067Net interest income
  • $90Provision for loan and lease losses
  • $383Total noninterest income
  • $0Fiduciary activities
  • $248Service charges on deposit accounts
  • $0Trading account gains & fees
  • $135Additional noninterest income
  • $1,623Total noninterest expense
  • $781Salaries and employee benefits
  • $213Premises and equipment expense
  • $629Additional noninterest expense
  • $737Pre-tax net operating income
  • $3Securities gains (losses)
  • $244Applicable income taxes
  • $496Income before extraordinary items
  • $0Extraordinary gains - net
  • $496Net income attributable to bank
  • $0Net charge-offs
  • $496Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.99%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 9.38%Return on equity (ROE)
  • 3.71%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 4500.00%Credit loss provision to net charge-offs
  • 413.50%Efficiency ratio
  • 66,245Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.48%Loss allowance to loans
  • 2.73%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 29.71%Net loans and leases to core deposits
  • 29.84%Equity capital to assets
  • 7.83%Core capital (leverage) ratio
  • 9.12%Tier 1 risk-based capital ratio
  • 18.28%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $56,153Average earning assets
  • $5,289Average equity
  • $51,790Average loans

List of branches

  • 3 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011108First Delta Bank214 Hester Parker Drive, Marked Tree, AR 72365October 17, 1951Full Service Brick and Mortar
    1240223Tyronza Branch230 S Main, Tyronza, AR 72386May 26, 1992Full Service Brick and Mortar
    2240224Trumann Branch445 Hwy 463 South, Trumann, AR 72472April 05, 1999Full Service Brick and Mortar

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