First Delta Bank in Marked Tree, Arkansas (AR)



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First Delta Bank
GeneralFDIC 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
WWW: http://www.firstdeltabank.com
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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Financial SummaryTotal 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)
Total employees (full-time equivalent)18
Total assets$68,041
Cash and due from depository institutions$3,921
Interest-bearing balances$96
Securities$24,039
Federal funds sold & reverse repurchase agreements$19,850
Net loans & leases$18,387
Loan loss allowance $517
Trading account assets$0
Bank premises and fixed assets$642
Other real estate owned$60
Goodwill and other intangibles$0
All other assets$1,142
Life insurance assets$68,041
Total liabilities and capital$62,710
Total liabilities$61,895
Total deposits$39,743
Interest-bearing deposits$61,895
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $815
All other liabilities $5,331
Total equity capital$5,331
Total bank equity capital$5,331
Perpetual preferred stock$0
Common stock$50
Surplus$2,500
Undivided profits $2,781
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $517
Average Assets, year-to-date $62,372
Average Assets, quarterly $16,454
Volatile liabilities $56,153
Insider loans $63,024
FHLB advances $27,422
Loans and leases held for sale $54,957
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,014
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,092
Derivatives$303
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,470
Total interest expense $403
Net interest income $2,067
Provision for loan and lease losses $90
Total noninterest income $383
Fiduciary activities $0
Service charges on deposit accounts $248
Trading account gains & fees $0
Additional noninterest income $135
Total noninterest expense $1,623
Salaries and employee benefits $781
Premises and equipment expense $213
Additional noninterest expense $629
Pre-tax net operating income $737
Securities gains (losses) $3
Applicable income taxes $244
Income before extraordinary items $496
Extraordinary gains - net $0
Net income attributable to bank $496
Net charge-offs $0
Cash dividends $496
Sale, conversion, retirement of capital stock, net $2
Net operating income $300
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.77%
Cost of funding earning assets 0.78%
Net interest margin 3.99%
Noninterest income to earning assets 0.74%
Noninterest expense to earning assets 3.13%
Net operating income to assets 0.88%
Return on assets (ROA) 0.88%
Pretax return on assets 1.32%
Return on equity (ROE) 9.38%
Retained earnings to average equity (YTD only) 3.71%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 4500.00%
Efficiency ratio413.50%
Assets per employee$66,245
Cash dividends to net income (YTD only)3.78%
Condition Ratios (%)
Loss allowance to loans 60.48%
Loss allowance to noncurrent loans 2.73%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.09%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 29.71%
Equity capital to assets 29.84%
Core capital (leverage) ratio 7.83%
Tier 1 risk-based capital ratio 9.12%
Total risk-based capital ratio 18.28%
Memoranda
Average assets$20
Average earning assets$56,153
Average equity $5,289
Average loans $51,790
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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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