First State Bank in city_name, state_name - Detailed Financial Reports, Location

First State Bank in Lonoke, Arkansas (AR)
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First State Bank routing number info

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
WWW: http://www.firststatebk.com
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

No	ID	Name	Address	Established	Service Type
0	9437	First State Bank	101 South Center Street, Lonoke, AR 72086	March 18, 1935	Full Service Brick and Mortar
1	233141	Lonoke Branch	110 West Front Street, Lonoke, AR 72086	June 01, 1989	Limited Service Facility
2	233142	Carlisle Branch	213 North Court, Carlisle, AR 72024	August 27, 1997	Full Service Brick and Mortar
3	357881	Gurdon Branch	100 East Main Street, Gurdon, AR 71743	July 28, 2000	Full Service Brick and Mortar
4	362011	Joyce Boulevard Branch	2125 East Joyce Boulevard, Fayetteville, AR 72703	September 10, 2001	Full Service Brick and Mortar
5	462800	Springdale Branch	1022 Jones Road, Springdale, AR 72762	May 03, 2007	Full Service Brick and Mortar
6	463797	Heber Springs Branch	1450 Southridge Boulevard, Heber Springs, AR 72543	June 13, 2007	Full Service Brick and Mortar

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

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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