Horatio State Bank in Horatio, Arkansas (AR)

Show street view No street view available for this location

Horatio State Bank routing number info

Table of contents:
Horatio State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)31
Total assets$124,606
Cash and due from depository institutions$14,056
Interest-bearing balances$11,505
Federal funds sold & reverse repurchase agreements$3,000
Net loans & leases$88,119
Loan loss allowance $1,501
Trading account assets$0
Bank premises and fixed assets$754
Other real estate owned$52
Goodwill and other intangibles$0
All other assets$1,672
Life insurance assets$124,606
Total liabilities and capital$111,413
Total liabilities$111,247
Total deposits$105,955
Interest-bearing deposits$111,247
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $166
All other liabilities $13,193
Total equity capital$13,193
Total bank equity capital$13,193
Perpetual preferred stock$0
Common stock$100
Undivided profits $12,093
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 $617
Earning assets $8
Long-term assets (5+ years) $898
Average Assets, year-to-date $119,577
Average Assets, quarterly $7,991
Volatile liabilities $120,639
Insider loans $123,377
FHLB advances $77,205
Loans and leases held for sale $123,131
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,013
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,725
Back to page top, Back to table top

Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,107
Total interest expense $2,104
Net interest income $5,003
Provision for loan and lease losses $638
Total noninterest income $371
Fiduciary activities $0
Service charges on deposit accounts $245
Trading account gains & fees $0
Additional noninterest income $126
Total noninterest expense $2,495
Salaries and employee benefits $1,411
Premises and equipment expense $316
Additional noninterest expense $768
Pre-tax net operating income $2,241
Securities gains (losses) $2
Applicable income taxes $777
Income before extraordinary items $1,466
Extraordinary gains - net $0
Net income attributable to bank $1,466
Net charge-offs $0
Cash dividends $1,466
Sale, conversion, retirement of capital stock, net $424
Net operating income $128
Back to page top, Back to table top

Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.12%
Cost of funding earning assets 1.81%
Net interest margin 4.31%
Noninterest income to earning assets 0.32%
Noninterest expense to earning assets 2.15%
Net operating income to assets 1.21%
Return on assets (ROA) 1.22%
Pretax return on assets 1.86%
Return on equity (ROE) 11.81%
Retained earnings to average equity (YTD only) 10.78%
Net charge-offs to loans 0.50%
Credit loss provision to net charge-offs 150.47%
Efficiency ratio6.79%
Assets per employee$46,427
Cash dividends to net income (YTD only)4.02%
Condition Ratios (%)
Loss allowance to loans 8.73%
Loss allowance to noncurrent loans 1.67%
Noncurrent assets plus other real estate owned to assets 243.27%
Noncurrent loans to loans 0.54%
Net loans and leases to deposits0.69%
Net loans and leases to core deposits 79.21%
Equity capital to assets 85.40%
Core capital (leverage) ratio 10.59%
Tier 1 risk-based capital ratio 10.57%
Total risk-based capital ratio 16.86%
Average assets$18
Average earning assets$120,639
Average equity $12,410
Average loans $116,126
Back to page top, Back to table top

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

User Contributions:

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


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Horatio State Bank.
Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.