First State Bank of DeQueen in De Queen, Arkansas (AR)

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First State Bank of DeQueen routing number info

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First State Bank of DeQueen
GeneralFDIC Certificate #: 21805
Status: Active
Federal Reserve ID: 519146
Bank Holding Company (Regulatory Top Holder): First State Bancshares, Inc. (RSSDID: 2032724, Location: Dequeen, AR)
Date Established: November 01, 1974
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 11699
FDIC's unique #: 15105
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: November 01, 1974
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
LocationAddress: 402 West Collin Raye Drive, De Queen, AR 71832
County: Sevier
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Shreveport
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $179.7 mil
Equity capital: $14.7 mil
Deposits held in domestic offices: $154.8 mil
Return on assets (ROA): 1.52% ($2.7 mil)
Quarterly return on assets: 1.59% ($2.9 mil)
Return on Equity (ROE): 19.44% ($2.9 mil)
Quarterly return on equity: 19.13% ($2.9 mil)
Net income: $2.7 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.52% ($2,731.3 mil)
Quarterly Pretax return on assets: 1.59% ($2,857.1 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)44
Total assets$179,690
Cash and due from depository institutions$2,288
Interest-bearing balances$136
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$118,506
Loan loss allowance $2,347
Trading account assets$0
Bank premises and fixed assets$5,517
Other real estate owned$233
Goodwill and other intangibles$0
All other assets$5,839
Life insurance assets$179,690
Total liabilities and capital$164,989
Total liabilities$154,834
Total deposits$144,617
Interest-bearing deposits$154,834
Deposits held in domestic offices$83
% insured (estimated)2900.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,735
Other borrowed funds $0
Subordinated debt $1,520
All other liabilities $14,701
Total equity capital$14,701
Total bank equity capital$14,701
Perpetual preferred stock$0
Common stock$76
Undivided profits $6,292
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 $311
Earning assets $0
Long-term assets (5+ years) $1,499
Average Assets, year-to-date $165,949
Average Assets, quarterly $16,981
Volatile liabilities $176,344
Insider loans $179,574
FHLB advances $117,371
Loans and leases held for sale $179,189
Unused loan commitments $2,365
Tier 1 (core) risk-based capital $2,365
Tier 2 risk-based capital $14,402
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,557
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,841
Total interest expense $2,493
Net interest income $7,348
Provision for loan and lease losses $637
Total noninterest income $740
Fiduciary activities $0
Service charges on deposit accounts $477
Trading account gains & fees $0
Additional noninterest income $263
Total noninterest expense $4,842
Salaries and employee benefits $2,850
Premises and equipment expense $820
Additional noninterest expense $1,172
Pre-tax net operating income $2,609
Securities gains (losses) $63
Applicable income taxes $0
Income before extraordinary items $2,672
Extraordinary gains - net $0
Net income attributable to bank $2,672
Net charge-offs $0
Cash dividends $2,672
Sale, conversion, retirement of capital stock, net $215
Net operating income $1,748
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.07%
Cost of funding earning assets 1.54%
Net interest margin 4.53%
Noninterest income to earning assets 0.46%
Noninterest expense to earning assets 2.99%
Net operating income to assets 1.48%
Return on assets (ROA) 1.52%
Pretax return on assets 1.52%
Return on equity (ROE) 19.44%
Retained earnings to average equity (YTD only) 6.72%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 296.28%
Efficiency ratio15.10%
Assets per employee$59,866
Cash dividends to net income (YTD only)4.08%
Condition Ratios (%)
Loss allowance to loans 65.42%
Loss allowance to noncurrent loans 1.94%
Noncurrent assets plus other real estate owned to assets 754.66%
Noncurrent loans to loans 0.30%
Net loans and leases to deposits0.26%
Net loans and leases to core deposits 76.54%
Equity capital to assets 107.93%
Core capital (leverage) ratio 8.18%
Tier 1 risk-based capital ratio 8.04%
Total risk-based capital ratio 12.27%
Average assets$14
Average earning assets$176,344
Average equity $13,746
Average loans $162,132
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6 Arkansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
015105First State Bank Of Dequeen402 West Collin Raye Drive, De Queen, AR 71832November 01, 1974Full Service Brick and Mortar
1253550North Side Branch310 N Third St, De Queen, AR 71832May 02, 1979Limited Service Facility
3419381North Camellia Street Branch3402 North Camellia Street, Lockesburg, AR 71846June 30, 2003Full Service Brick and Mortar
4465191First State Bank Of Dierks Branch507 Front St, Dierks, AR 71833May 31, 2007Full Service Brick and Mortar
5465192First State Bank Of Pike County Bran322 E 13th St, Murfreesboro, AR 71958May 31, 2007Full Service Brick and Mortar
6513846First State Bank Of Nashville Branch422 Issac Perkins Blvd, Nashville, AR 71852September 20, 2010Full Service Brick and Mortar
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