Smackover State Bank in Smackover, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Smackover State Bank in Smackover, Arkansas (AR)
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Smackover State Bank - Overview

  • General
  • FDIC Certificate #: 5623
    Status: Active
    Federal Reserve ID: 676049
    Bank Holding Company (Regulatory Top Holder): Smackover Bancshares, Inc. (RSSDID: 1098264, Location: Smackover, AR)
    Date Established: April 18, 1928
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 3830
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    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: 708 North Broadway, Smackover, AR 71762
    County: Union
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): El Dorado, AR (#20980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $185.1 mil
    Equity capital: $19.0 mil
    Deposits held in domestic offices: $164.7 mil
    Return on assets (ROA): 1.19% ($2.2 mil)
    Quarterly return on assets: 1.18% ($2.2 mil)
    Return on Equity (ROE): 11.33% ($2.2 mil)
    Quarterly return on equity: 11.17% ($2.1 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.63% ($3,016.9 mil)
    Quarterly Pretax return on assets: 1.57% ($2,905.9 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
  • 41Total employees (full-time equivalent)
  • $185,087Total assets
  • $5,287Cash and due from depository institutions
  • $889Interest-bearing balances
  • $84,727Securities
  • $23,550Federal funds sold & reverse repurchase agreements
  • $67,622Net loans & leases
  • $611Loan loss allowance
  • $0Trading account assets
  • $2,517Bank premises and fixed assets
  • $52Other real estate owned
  • $0Goodwill and other intangibles
  • $185,087Life insurance assets
  • $1,332All other assets
  • $166,090Total liabilities and capital
  • $164,697Total liabilities
  • $136,751Total deposits
  • $164,697Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,393Subordinated debt
  • $18,997All other liabilities
  • $18,997Total equity capital
  • $18,997Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $2,500Surplus
  • $15,497Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,213Income earned, not collected on loans
  • $0Earning assets
  • $767Long-term assets (5+ years)
  • $176,788Average Assets, year-to-date
  • $74,645Average Assets, quarterly
  • $178,630Volatile liabilities
  • $182,926Insider loans
  • $82,794FHLB advances
  • $179,269Loans and leases held for sale
  • $13Unused loan commitments
  • $13Tier 1 (core) risk-based capital
  • $18,008Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,475Restructured Loans and leases
  • $533Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,419Total interest income
  • $1,845Total interest expense
  • $5,574Net interest income
  • $100Provision for loan and lease losses
  • $578Total noninterest income
  • $8Fiduciary activities
  • $343Service charges on deposit accounts
  • $0Trading account gains & fees
  • $227Additional noninterest income
  • $3,179Total noninterest expense
  • $1,784Salaries and employee benefits
  • $366Premises and equipment expense
  • $1,029Additional noninterest expense
  • $2,873Pre-tax net operating income
  • $38Securities gains (losses)
  • $782Applicable income taxes
  • $2,129Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,129Net income attributable to bank
  • $0Net charge-offs
  • $2,129Cash dividends
  • $335Sale, conversion, retirement of capital stock, net
  • $1,425Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.34%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.26%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 1.86%Noninterest expense to earning assets
  • 1.18%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.63%Pretax return on assets
  • 11.33%Return on equity (ROE)
  • 3.75%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 29.85%Credit loss provision to net charge-offs
  • 8.87%Efficiency ratio
  • 51,674Assets per employee
  • 4.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.93%Loss allowance to loans
  • 0.90%Loss allowance to noncurrent loans
  • 50.37%Noncurrent assets plus other real estate owned to assets
  • 0.68%Noncurrent loans to loans
  • 1.78%Net loans and leases to deposits
  • 41.06%Net loans and leases to core deposits
  • 48.12%Equity capital to assets
  • 10.26%Core capital (leverage) ratio
  • 10.05%Tier 1 risk-based capital ratio
  • 21.75%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $178,630Average earning assets
  • $18,791Average equity
  • $170,839Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,458Managed Assets
  • 1Number of Accounts
  • $1,326Personal trust and agency accounts
  • $1,326Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 12Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,132Other retirement accounts
  • $1,132Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03830Smackover State Bank708 North Broadway, Smackover, AR 71762April 18, 1928Full Service Brick and Mortar
    1207905Norphlet BranchPadgett Street, Norphlet, AR 71759June 17, 1959Full Service Brick and Mortar
    2288185125 West 5th Branch125 West 5th, El Dorado, AR 71730December 05, 1986Full Service Brick and Mortar
    3439378El Dorado Branch602 South Timberlane Drive, El Dorado, AR 71730September 24, 2004Full Service Brick and Mortar

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