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

First State Bank - Overview

  • General
  • FDIC Certificate #: 15050
    Status: Active
    Federal Reserve ID: 10849
    Bank Holding Company (Regulatory Top Holder): Lonoke Bancshares, Inc. (RSSDID: 1491614, Location: Lonoke, AR)
    Date Established: March 18, 1935
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 9924
    FDIC's unique #: 9437
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 18, 1935
    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: 101 South Center Street, Lonoke, AR 72086
    County: Lonoke
    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): Little Rock-North Little Rock, AR (#4400)
    Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340)
    Core Based Statistical Area (CBSA): Little Rock-North Little Rock-Conway, AR (#30780)
    CBSA Metro Statistical Area: Little Rock-North Little Rock-Conway, AR (#30780)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $267.7 mil
    Equity capital: $26.3 mil
    Deposits held in domestic offices: $232.1 mil
    Return on assets (ROA): 0.18% ($0.5 mil)
    Quarterly return on assets: 0.33% ($0.9 mil)
    Return on Equity (ROE): 2.09% ($0.5 mil)
    Quarterly return on equity: 3.49% ($0.9 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.18% ($481.8 mil)
    Quarterly Pretax return on assets: 0.33% ($883.3 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
  • 60Total employees (full-time equivalent)
  • $267,652Total assets
  • $35,152Cash and due from depository institutions
  • $31,705Interest-bearing balances
  • $18,412Securities
  • $10,369Federal funds sold & reverse repurchase agreements
  • $172,675Net loans & leases
  • $2,955Loan loss allowance
  • $0Trading account assets
  • $3,530Bank premises and fixed assets
  • $20,466Other real estate owned
  • $694Goodwill and other intangibles
  • $267,652Life insurance assets
  • $6,354All other assets
  • $241,325Total liabilities and capital
  • $232,064Total liabilities
  • $187,576Total deposits
  • $232,064Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,285Trading liabilities
  • $0Other borrowed funds
  • $976Subordinated debt
  • $26,327All other liabilities
  • $26,327Total equity capital
  • $26,327Total bank equity capital
  • $0Perpetual preferred stock
  • $16Common stock
  • $15,375Surplus
  • $10,936Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,711Income earned, not collected on loans
  • $0Earning assets
  • $875Long-term assets (5+ years)
  • $233,161Average Assets, year-to-date
  • $16,702Average Assets, quarterly
  • $268,445Volatile liabilities
  • $261,926Insider loans
  • $185,761FHLB advances
  • $262,226Loans and leases held for sale
  • $1,007Unused loan commitments
  • $1,007Tier 1 (core) risk-based capital
  • $25,606Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,569Restructured Loans and leases
  • $3,100Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,941Total interest income
  • $2,525Total interest expense
  • $8,416Net interest income
  • $925Provision for loan and lease losses
  • $399Total noninterest income
  • $0Fiduciary activities
  • $340Service charges on deposit accounts
  • $0Trading account gains & fees
  • $59Additional noninterest income
  • $8,283Total noninterest expense
  • $3,704Salaries and employee benefits
  • $1,544Premises and equipment expense
  • $3,035Additional noninterest expense
  • -$393Pre-tax net operating income
  • $887Securities gains (losses)
  • $0Applicable income taxes
  • $494Income before extraordinary items
  • $0Extraordinary gains - net
  • $494Net income attributable to bank
  • $0Net charge-offs
  • $494Cash dividends
  • $2,459Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 3.51%Noninterest expense to earning assets
  • -0.15%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • 2.09%Return on equity (ROE)
  • 2.09%Retained earnings to average equity (YTD only)
  • 1.29%Net charge-offs to loans
  • 37.62%Credit loss provision to net charge-offs
  • 0.22%Efficiency ratio
  • 93,965Assets per employee
  • 4.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.68%Loss allowance to noncurrent loans
  • 172.71%Noncurrent assets plus other real estate owned to assets
  • 8.29%Noncurrent loans to loans
  • 0.97%Net loans and leases to deposits
  • 74.41%Net loans and leases to core deposits
  • 77.62%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 9.76%Tier 1 risk-based capital ratio
  • 13.78%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $268,445Average earning assets
  • $23,659Average equity
  • $235,899Average loans

List of branches

  • 7 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09437First State Bank101 South Center Street, Lonoke, AR 72086March 18, 1935Full Service Brick and Mortar
    1233141Lonoke Branch110 West Front Street, Lonoke, AR 72086June 01, 1989Limited Service Facility
    2233142Carlisle Branch213 North Court, Carlisle, AR 72024August 27, 1997Full Service Brick and Mortar
    3357881Gurdon Branch100 East Main Street, Gurdon, AR 71743July 28, 2000Full Service Brick and Mortar
    4362011Joyce Boulevard Branch2125 East Joyce Boulevard, Fayetteville, AR 72703September 10, 2001Full Service Brick and Mortar
    5462800Springdale Branch1022 Jones Road, Springdale, AR 72762May 03, 2007Full Service Brick and Mortar
    6463797Heber Springs Branch1450 Southridge Boulevard, Heber Springs, AR 72543June 13, 2007Full Service Brick and Mortar

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