Riverside Bank in Sparkman, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Riverside Bank in Sparkman, Arkansas (AR)
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Riverside Bank - Overview

  • General
  • FDIC Certificate #: 93
    Status: Active
    Federal Reserve ID: 977045
    Bank Holding Company (Regulatory Top Holder): Riverside Bancshares, Inc (RSSDID: 2155342, Location: Little Rock, AR)
    Date Established: January 01, 1916
    WWW: http://www.riversidebanc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12630
    FDIC's unique #: 73
    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: Commercial 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
  • Location
  • Address: Commerce And Main Streets, Sparkman, AR 71763
    County: Dallas
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $58.6 mil
    Equity capital: $5.2 mil
    Deposits held in domestic offices: $52.3 mil
    Return on assets (ROA): 2.73% ($1.6 mil)
    Quarterly return on assets: 2.69% ($1.6 mil)
    Return on Equity (ROE): 34.10% ($1.7 mil)
    Quarterly return on equity: 32.33% ($1.6 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 2.73% ($1,599.8 mil)
    Quarterly Pretax return on assets: 2.69% ($1,576.4 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
  • 20Total employees (full-time equivalent)
  • $58,601Total assets
  • $1,394Cash and due from depository institutions
  • $536Interest-bearing balances
  • $1,179Securities
  • $1,550Federal funds sold & reverse repurchase agreements
  • $49,945Net loans & leases
  • $491Loan loss allowance
  • $0Trading account assets
  • $2,375Bank premises and fixed assets
  • $436Other real estate owned
  • $158Goodwill and other intangibles
  • $58,601Life insurance assets
  • $1,564All other assets
  • $53,427Total liabilities and capital
  • $52,305Total liabilities
  • $49,320Total deposits
  • $52,305Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $122Subordinated debt
  • $5,174All other liabilities
  • $5,174Total equity capital
  • $5,174Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $1,917Surplus
  • $3,182Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $891Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $171Income earned, not collected on loans
  • $0Earning assets
  • $624Long-term assets (5+ years)
  • $53,210Average Assets, year-to-date
  • $5,721Average Assets, quarterly
  • $59,003Volatile liabilities
  • $59,999Insider loans
  • $43,337FHLB advances
  • $60,432Loans and leases held for sale
  • $404Unused loan commitments
  • $354Tier 1 (core) risk-based capital
  • $4,976Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $50Total unused commitments
  • $2,720Restructured Loans and leases
  • $416Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,640Total interest income
  • $896Total interest expense
  • $2,744Net interest income
  • $95Provision for loan and lease losses
  • $555Total noninterest income
  • $0Fiduciary activities
  • $53Service charges on deposit accounts
  • $0Trading account gains & fees
  • $502Additional noninterest income
  • $1,658Total noninterest expense
  • $823Salaries and employee benefits
  • $157Premises and equipment expense
  • $678Additional noninterest expense
  • $1,546Pre-tax net operating income
  • $62Securities gains (losses)
  • $0Applicable income taxes
  • $1,608Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,608Net income attributable to bank
  • $0Net charge-offs
  • $1,608Cash dividends
  • $129Sale, conversion, retirement of capital stock, net
  • $1,075Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.80%Yield on earning assets
  • 1.67%Cost of funding earning assets
  • 5.12%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 2.62%Net operating income to assets
  • 2.73%Return on assets (ROA)
  • 2.73%Pretax return on assets
  • 34.10%Return on equity (ROE)
  • 11.30%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 73.64%Credit loss provision to net charge-offs
  • 12.72%Efficiency ratio
  • 50,258Assets per employee
  • 2.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.85%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 287.13%Noncurrent assets plus other real estate owned to assets
  • 1.04%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 95.49%Net loans and leases to core deposits
  • 120.03%Equity capital to assets
  • 8.83%Core capital (leverage) ratio
  • 8.23%Tier 1 risk-based capital ratio
  • 11.48%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $59,003Average earning assets
  • $4,715Average equity
  • $53,542Average loans

List of branches

  • 2 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    073Riverside BankCommerce And Main Streets, Sparkman, AR 71763January 01, 1916Full Service Brick and Mortar
    1458844Little Rock Branch1001 West Markham Street, Little Rock, AR 72201Febuary 08, 2007Full Service Brick and Mortar

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