Focus Bank in Charleston, Missouri (MO), AR
Overview, Financial Summary, Detailed Financial Reports, Branches

Focus Bank - Overview

  • General
  • FDIC Certificate #: 1426
    Status: Active
    Federal Reserve ID: 498148
    Bank Holding Company (Regulatory Top Holder): Security State Bancshares, Inc. (RSSDID: 1248573, Location: Charleston, MO)
    Date Established: January 01, 1930
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: Yes)
    OTS Docket #: 14056
    FDIC's unique #: 946
    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: January 01, 1934
    Last Structure Change Effective Date: August 02, 2006
    Last Structure Change Process Date: August 10, 2006
    Last Data Update: August 10, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Main Street, Charleston, MO 63834
    County: Mississippi
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $659.4 mil
    Equity capital: $69.4 mil
    Deposits held in domestic offices: $506.7 mil
    Return on assets (ROA): 0.85% ($5.6 mil)
    Quarterly return on assets: 0.85% ($5.6 mil)
    Return on Equity (ROE): 8.56% ($5.9 mil)
    Quarterly return on equity: 8.06% ($5.6 mil)
    Net income: $5.3 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 1.30% ($8,572.4 mil)
    Quarterly Pretax return on assets: 1.28% ($8,440.5 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
  • 163Total employees (full-time equivalent)
  • $659,415Total assets
  • $68,447Cash and due from depository institutions
  • $45,567Interest-bearing balances
  • $44,675Securities
  • $2Federal funds sold & reverse repurchase agreements
  • $506,935Net loans & leases
  • $8,945Loan loss allowance
  • $0Trading account assets
  • $13,869Bank premises and fixed assets
  • $2,250Other real estate owned
  • $276Goodwill and other intangibles
  • $659,415Life insurance assets
  • $22,961All other assets
  • $589,996Total liabilities and capital
  • $506,736Total liabilities
  • $448,876Total deposits
  • $506,736Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 2298.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $78,829Trading liabilities
  • $0Other borrowed funds
  • $2,133Subordinated debt
  • $69,419All other liabilities
  • $69,419Total equity capital
  • $69,419Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $45,555Surplus
  • $23,564Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,620Income earned, not collected on loans
  • $0Earning assets
  • $5,575Long-term assets (5+ years)
  • $597,179Average Assets, year-to-date
  • $104,071Average Assets, quarterly
  • $629,710Volatile liabilities
  • $653,782Insider loans
  • $504,928FHLB advances
  • $655,729Loans and leases held for sale
  • $5,764Unused loan commitments
  • $5,764Tier 1 (core) risk-based capital
  • $68,940Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $74,488Restructured Loans and leases
  • $13,574Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $31,994Total interest income
  • $9,630Total interest expense
  • $22,364Net interest income
  • $1,827Provision for loan and lease losses
  • $3,185Total noninterest income
  • $0Fiduciary activities
  • $1,843Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,342Additional noninterest income
  • $15,680Total noninterest expense
  • $8,354Salaries and employee benefits
  • $2,313Premises and equipment expense
  • $5,013Additional noninterest expense
  • $8,042Pre-tax net operating income
  • $154Securities gains (losses)
  • $2,870Applicable income taxes
  • $5,326Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,326Net income attributable to bank
  • $0Net charge-offs
  • $5,326Cash dividends
  • $1,367Sale, conversion, retirement of capital stock, net
  • $2,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.53%Yield on earning assets
  • 1.66%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 8.56%Return on equity (ROE)
  • 4.54%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 133.65%Credit loss provision to net charge-offs
  • 7.22%Efficiency ratio
  • 61,372Assets per employee
  • 4.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.94%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 117.39%Noncurrent assets plus other real estate owned to assets
  • 1.50%Noncurrent loans to loans
  • 1.48%Net loans and leases to deposits
  • 100.04%Net loans and leases to core deposits
  • 117.13%Equity capital to assets
  • 10.53%Core capital (leverage) ratio
  • 10.51%Tier 1 risk-based capital ratio
  • 13.65%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $629,710Average earning assets
  • $62,235Average equity
  • $578,926Average loans

List of branches

  • 6 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    88772Paragould Kingshighway Facility3005 W Kings Highway, Paragould, AR 72450September 19, 1895Full Service Brick and Mortar
    9360730Marmaduke Facility7281 Highway 34 East, Marmaduke, AR 72443June 12, 2000Limited Service Facility
    10441987Paragould Highway 49 South Facility3100 Linwood Drive, Paragould, AR 72450June 21, 2005Full Service Brick and Mortar
    11455827Jonesboro Southwest Drive Facility406 Southwest Drive, Jonesboro, AR 72401October 20, 2006Full Service Brick and Mortar
    12470750Jonesboro Branch2525 Stadium Boulevard, Jonesboro, AR 72401Febuary 01, 2008Full Service Brick and Mortar
    14518118Hilltop Branch3313 East Johnson Avenue, Jonesboro, AR 72401March 14, 2011Full Service Brick and Mortar
  • 7 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0946Focus Bank101 South Main Street, Charleston, MO 63834January 01, 1930Full Service Brick and Mortar
    1189498East Prairie FacilityHighway 105, East Prairie, MO 63845March 07, 1988Full Service Brick and Mortar
    2360051Sikeston Facility1150 South Main, Sikeston, MO 63801January 02, 2001Full Service Brick and Mortar
    48877Caruthersville Facility323 Ward Avenue, Caruthersville, MO 63830January 01, 1934Full Service Brick and Mortar
    5231179Caruthersville Drive-In Facility4th And Walker, Caruthersville, MO 63830August 17, 1981Limited Service Facility
    67054Hornersville Facility410 Main Street, Hornersville, MO 63855March 15, 1915Full Service Brick and Mortar
    13488790Online Banking Branch101 South Main, Charleston, MO 63834Febuary 02, 2009Full Service Brick and Mortar

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