Overview, Financial Summary, Detailed Financial Reports, Branches


  • General
  • FDIC Certificate #: 17431
    Status: Active
    Federal Reserve ID: 913146
    Date Established: April 29, 1955
    WWW: http://www.ozarkheritagebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 11424
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 29, 1955
    Last Structure Change Effective Date: April 01, 2009
    Last Structure Change Process Date: April 02, 2009
    Last Data Update: April 02, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 802 East Main Street, Mountain View, AR 72560
    County: Stone
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Participated in Reorganization
    Change in Location
    Name Change
  • Financial Summary
  • Total assets: $64.7 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $56.4 mil
    Return on assets (ROA): -0.23% (-$0.1 mil)
    Quarterly return on assets: 0.83% ($0.5 mil)
    Return on Equity (ROE): -2.09% (-$0.2 mil)
    Quarterly return on equity: 7.16% ($0.6 mil)
    Net income: -$0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -0.37% (-$239.3 mil)
    Quarterly Pretax return on assets: 1.25% ($808.6 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
  • 28Total employees (full-time equivalent)
  • $64,689Total assets
  • $1,372Cash and due from depository institutions
  • $0Interest-bearing balances
  • $11,608Securities
  • $975Federal funds sold & reverse repurchase agreements
  • $43,962Net loans & leases
  • $1,775Loan loss allowance
  • $0Trading account assets
  • $2,762Bank premises and fixed assets
  • $319Other real estate owned
  • $1,009Goodwill and other intangibles
  • $64,689Life insurance assets
  • $2,682All other assets
  • $56,599Total liabilities and capital
  • $56,363Total liabilities
  • $53,677Total deposits
  • $56,363Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $236Subordinated debt
  • $8,090All other liabilities
  • $8,090Total equity capital
  • $8,090Total bank equity capital
  • $2,386Perpetual preferred stock
  • $8Common stock
  • $7,355Surplus
  • $-1,659Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,131Income earned, not collected on loans
  • $0Earning assets
  • $434Long-term assets (5+ years)
  • $56,545Average Assets, year-to-date
  • $8,013Average Assets, quarterly
  • $63,751Volatile liabilities
  • $64,930Insider loans
  • $41,803FHLB advances
  • $61,610Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,556Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,548Restructured Loans and leases
  • $3,680Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,218Total interest income
  • $1,097Total interest expense
  • $2,121Net interest income
  • $395Provision for loan and lease losses
  • $480Total noninterest income
  • $0Fiduciary activities
  • $119Service charges on deposit accounts
  • $0Trading account gains & fees
  • $361Additional noninterest income
  • $2,545Total noninterest expense
  • $1,160Salaries and employee benefits
  • $265Premises and equipment expense
  • $1,120Additional noninterest expense
  • -$339Pre-tax net operating income
  • $105Securities gains (losses)
  • -$89Applicable income taxes
  • -$145Income before extraordinary items
  • $0Extraordinary gains - net
  • -$145Net income attributable to bank
  • $0Net charge-offs
  • -$145Cash dividends
  • $900Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.72%Yield on earning assets
  • 1.95%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 4.52%Noninterest expense to earning assets
  • -0.33%Net operating income to assets
  • -0.23%Return on assets (ROA)
  • -0.37%Pretax return on assets
  • -2.09%Return on equity (ROE)
  • -2.09%Retained earnings to average equity (YTD only)
  • 1.90%Net charge-offs to loans
  • 43.89%Credit loss provision to net charge-offs
  • 0.06%Efficiency ratio
  • 97,232Assets per employee
  • 2.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.88%Loss allowance to noncurrent loans
  • 156.94%Noncurrent assets plus other real estate owned to assets
  • 2.24%Noncurrent loans to loans
  • 2.47%Net loans and leases to deposits
  • 78.00%Net loans and leases to core deposits
  • 88.77%Equity capital to assets
  • 12.51%Core capital (leverage) ratio
  • 9.02%Tier 1 risk-based capital ratio
  • 13.29%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $63,751Average earning assets
  • $6,945Average equity
  • $56,254Average loans

List of branches

  • 2 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011424Ozark Heritage Bank National Associa802 East Main Street, Mountain View, AR 72560April 29, 1955Full Service Brick and Mortar
    2489689Althemer BranchFront And Chestnut Street, Altheimer, AR 72004April 01, 2009Full Service Brick and Mortar

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