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


  • Horatio State Bank in Horatio, Arkansas (AR)
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Horatio State Bank - Overview

  • General
  • FDIC Certificate #: 109
    Status: Active
    Federal Reserve ID: 458142
    Bank Holding Company (Regulatory Top Holder): Pioneer Bancshares, Inc. Of Horatio, Ark (RSSDID: 1139091, Location: Horatio, AR)
    Date Established: May 05, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 88
    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: Consumer Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: Pride And Main, Horatio, AR 71842
    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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $124.6 mil
    Equity capital: $13.2 mil
    Deposits held in domestic offices: $111.2 mil
    Return on assets (ROA): 1.22% ($1.5 mil)
    Quarterly return on assets: 1.27% ($1.6 mil)
    Return on Equity (ROE): 11.81% ($1.5 mil)
    Quarterly return on equity: 12.05% ($1.6 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.86% ($2,317.7 mil)
    Quarterly Pretax return on assets: 1.63% ($2,031.1 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
  • 31Total employees (full-time equivalent)
  • $124,606Total assets
  • $14,056Cash and due from depository institutions
  • $11,505Interest-bearing balances
  • $16,953Securities
  • $3,000Federal funds sold & reverse repurchase agreements
  • $88,119Net loans & leases
  • $1,501Loan loss allowance
  • $0Trading account assets
  • $754Bank premises and fixed assets
  • $52Other real estate owned
  • $0Goodwill and other intangibles
  • $124,606Life insurance assets
  • $1,672All other assets
  • $111,413Total liabilities and capital
  • $111,247Total liabilities
  • $105,955Total deposits
  • $111,247Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $166Subordinated debt
  • $13,193All other liabilities
  • $13,193Total equity capital
  • $13,193Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,000Surplus
  • $12,093Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $617Income earned, not collected on loans
  • $8Earning assets
  • $898Long-term assets (5+ years)
  • $119,577Average Assets, year-to-date
  • $7,991Average Assets, quarterly
  • $120,639Volatile liabilities
  • $123,377Insider loans
  • $77,205FHLB advances
  • $123,131Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,013Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,725Restructured Loans and leases
  • $235Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,107Total interest income
  • $2,104Total interest expense
  • $5,003Net interest income
  • $638Provision for loan and lease losses
  • $371Total noninterest income
  • $0Fiduciary activities
  • $245Service charges on deposit accounts
  • $0Trading account gains & fees
  • $126Additional noninterest income
  • $2,495Total noninterest expense
  • $1,411Salaries and employee benefits
  • $316Premises and equipment expense
  • $768Additional noninterest expense
  • $2,241Pre-tax net operating income
  • $2Securities gains (losses)
  • $777Applicable income taxes
  • $1,466Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,466Net income attributable to bank
  • $0Net charge-offs
  • $1,466Cash dividends
  • $424Sale, conversion, retirement of capital stock, net
  • $128Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.12%Yield on earning assets
  • 1.81%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.15%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.86%Pretax return on assets
  • 11.81%Return on equity (ROE)
  • 10.78%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 150.47%Credit loss provision to net charge-offs
  • 6.79%Efficiency ratio
  • 46,427Assets per employee
  • 4.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.73%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 243.27%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.69%Net loans and leases to deposits
  • 79.21%Net loans and leases to core deposits
  • 85.40%Equity capital to assets
  • 10.59%Core capital (leverage) ratio
  • 10.57%Tier 1 risk-based capital ratio
  • 16.86%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $120,639Average earning assets
  • $12,410Average equity
  • $116,126Average loans

List of branches

  • 1 Arkansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    088Horatio State BankPride And Main, Horatio, AR 71842May 05, 1905Full Service Brick and Mortar

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