Little River Bank in Lepanto, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


Little River Bank - Overview

  • General
  • FDIC Certificate #: 1298
    Status: Active
    Federal Reserve ID: 50546
    Bank Holding Company (Regulatory Top Holder): Little River Bancshares Inc (RSSDID: 2463391, Location: Lepanto, AR)
    Date Established: January 01, 1919
    WWW: http://www.littleriverbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15397
    FDIC's unique #: 873
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 02, 2011
    Last Structure Change Process Date: May 12, 2011
    Last Data Update: May 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 Greenwood Avenue, Lepanto, AR 72354
    County: Poinsett
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Jonesboro-Paragould, AR (#308)
    Core Based Statistical Area (CBSA): Jonesboro, AR (#27860)
    CBSA Metro Statistical Area: Jonesboro, AR (#27860)
  • Financial Summary
  • Total assets: $42.6 mil
    Equity capital: $4.9 mil
    Deposits held in domestic offices: $37.6 mil
    Return on assets (ROA): -0.13% (-$0.1 mil)
    Quarterly return on assets: -2.97% (-$1.3 mil)
    Return on Equity (ROE): -1.10% (-$0.1 mil)
    Quarterly return on equity: -23.50% (-$1.2 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: -0.13% (-$55.4 mil)
    Quarterly Pretax return on assets: -2.97% (-$1,264.5 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
  • 15Total employees (full-time equivalent)
  • $42,577Total assets
  • $6,034Cash and due from depository institutions
  • $556Interest-bearing balances
  • $9,665Securities
  • $11,040Federal funds sold & reverse repurchase agreements
  • $14,957Net loans & leases
  • $310Loan loss allowance
  • $0Trading account assets
  • $235Bank premises and fixed assets
  • $250Other real estate owned
  • $0Goodwill and other intangibles
  • $42,577Life insurance assets
  • $396All other assets
  • $37,670Total liabilities and capital
  • $37,552Total liabilities
  • $30,439Total deposits
  • $37,552Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $118Subordinated debt
  • $4,907All other liabilities
  • $4,907Total equity capital
  • $4,907Total bank equity capital
  • $0Perpetual preferred stock
  • $4Common stock
  • $2,496Surplus
  • $2,407Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $483Income earned, not collected on loans
  • $0Earning assets
  • $211Long-term assets (5+ years)
  • $36,218Average Assets, year-to-date
  • $14,895Average Assets, quarterly
  • $41,533Volatile liabilities
  • $40,001Insider loans
  • $16,595FHLB advances
  • $42,250Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,640Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $968Restructured Loans and leases
  • $1,658Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,859Total interest income
  • $252Total interest expense
  • $1,607Net interest income
  • $256Provision for loan and lease losses
  • $42Total noninterest income
  • $0Fiduciary activities
  • $195Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$153Additional noninterest income
  • $1,581Total noninterest expense
  • $828Salaries and employee benefits
  • $203Premises and equipment expense
  • $550Additional noninterest expense
  • -$188Pre-tax net operating income
  • $132Securities gains (losses)
  • $0Applicable income taxes
  • -$56Income before extraordinary items
  • $0Extraordinary gains - net
  • -$56Net income attributable to bank
  • $0Net charge-offs
  • -$56Cash dividends
  • $389Sale, conversion, retirement of capital stock, net
  • $28Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.11%Noninterest income to earning assets
  • 4.29%Noninterest expense to earning assets
  • -0.45%Net operating income to assets
  • -0.13%Return on assets (ROA)
  • -0.13%Pretax return on assets
  • -1.10%Return on equity (ROE)
  • -1.66%Retained earnings to average equity (YTD only)
  • 2.05%Net charge-offs to loans
  • 65.81%Credit loss provision to net charge-offs
  • 0.17%Efficiency ratio
  • 95,876Assets per employee
  • 2.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -50.00%Loss allowance to loans
  • 2.03%Loss allowance to noncurrent loans
  • 64.18%Noncurrent assets plus other real estate owned to assets
  • 1.72%Noncurrent loans to loans
  • 3.16%Net loans and leases to deposits
  • 39.83%Net loans and leases to core deposits
  • 43.61%Equity capital to assets
  • 11.53%Core capital (leverage) ratio
  • 10.98%Tier 1 risk-based capital ratio
  • 27.96%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $41,533Average earning assets
  • $5,074Average equity
  • $36,834Average loans

List of branches

  • 1 Arkansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0873Little River Bank202 Greenwood Avenue, Lepanto, AR 72354January 01, 1919Full Service Brick and Mortar

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