OakStar Bank, National Association in Springfield, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • OakStar Bank, National Association in Springfield, Missouri (MO)
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OakStar Bank, National Association - Overview

  • General
  • FDIC Certificate #: 58115
    Status: Active
    Federal Reserve ID: 3374412
    Bank Holding Company (Regulatory Top Holder): Oakstar Bancshares, Inc. (RSSDID: 3376452, Location: Springfield, MO)
    Date Established: October 24, 2005
    WWW: http://www.oakstarbank.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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 439984
    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: October 24, 2005
    Last Structure Change Effective Date: September 13, 2006
    Last Structure Change Process Date: September 14, 2006
    Last Data Update: September 14, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1020 East Battlefield Road, Springfield, MO 65807
    County: Greene
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
    Core Based Statistical Area (CBSA): Springfield, MO (#44180)
    CBSA Metro Statistical Area: Springfield, MO (#44180)
  • Financial Summary
  • Total assets: $189.2 mil
    Equity capital: $21.4 mil
    Deposits held in domestic offices: $154.4 mil
    Return on assets (ROA): 1.46% ($2.8 mil)
    Quarterly return on assets: 1.37% ($2.6 mil)
    Return on Equity (ROE): 12.95% ($2.7 mil)
    Quarterly return on equity: 12.27% ($2.6 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.15% ($2,175.2 mil)
    Quarterly Pretax return on assets: 1.37% ($2,591.4 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
  • 56Total employees (full-time equivalent)
  • $189,152Total assets
  • $26,647Cash and due from depository institutions
  • $24,109Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $142,341Net loans & leases
  • $2,581Loan loss allowance
  • $0Trading account assets
  • $9,268Bank premises and fixed assets
  • $2,151Other real estate owned
  • $0Goodwill and other intangibles
  • $189,152Life insurance assets
  • $8,745All other assets
  • $167,765Total liabilities and capital
  • $154,447Total liabilities
  • $137,925Total deposits
  • $154,447Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,700Trading liabilities
  • $0Other borrowed funds
  • $618Subordinated debt
  • $21,387All other liabilities
  • $21,387Total equity capital
  • $21,387Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $18,315Surplus
  • $-1,928Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $14,741Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,420Income earned, not collected on loans
  • $37Earning assets
  • $492Long-term assets (5+ years)
  • $166,450Average Assets, year-to-date
  • $22,584Average Assets, quarterly
  • $176,838Volatile liabilities
  • $188,917Insider loans
  • $145,906FHLB advances
  • $190,516Loans and leases held for sale
  • $5,134Unused loan commitments
  • $4,107Tier 1 (core) risk-based capital
  • $21,387Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,027Total unused commitments
  • $22,626Restructured Loans and leases
  • $23,968Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,534Total interest income
  • $1,639Total interest expense
  • $5,895Net interest income
  • $605Provision for loan and lease losses
  • $4,750Total noninterest income
  • $0Fiduciary activities
  • $196Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,554Additional noninterest income
  • $8,013Total noninterest expense
  • $5,265Salaries and employee benefits
  • $791Premises and equipment expense
  • $1,957Additional noninterest expense
  • $2,027Pre-tax net operating income
  • $0Securities gains (losses)
  • -$555Applicable income taxes
  • $2,582Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,582Net income attributable to bank
  • $0Net charge-offs
  • $2,582Cash dividends
  • $514Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.77%Net interest margin
  • 3.04%Noninterest income to earning assets
  • 5.13%Noninterest expense to earning assets
  • 1.46%Net operating income to assets
  • 1.46%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 12.95%Return on equity (ROE)
  • 12.95%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 117.70%Credit loss provision to net charge-offs
  • 5.12%Efficiency ratio
  • 75,275Assets per employee
  • 3.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 181.76%Noncurrent assets plus other real estate owned to assets
  • 1.89%Noncurrent loans to loans
  • 0.98%Net loans and leases to deposits
  • 92.16%Net loans and leases to core deposits
  • 106.88%Equity capital to assets
  • 11.31%Core capital (leverage) ratio
  • 11.23%Tier 1 risk-based capital ratio
  • 14.66%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $176,838Average earning assets
  • $19,934Average equity
  • $156,334Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0439984Oakstar Bank, National Association1020 East Battlefield Road, Springfield, MO 65807October 24, 2005Full Service Brick and Mortar

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