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
No
ID
Name
Address
Established
Service Type
Map
0
439984
Oakstar Bank, National Association
1020 East Battlefield Road, Springfield, MO 65807
October 24, 2005
Full Service Brick and Mortar
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