The Bank of Augusta in Augusta, Arkansas (AR)



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The Bank of Augusta routing number info

Table of contents:
The Bank of Augusta
GeneralFDIC Certificate #: 15035
Status: Active
Federal Reserve ID: 855143
Date Established: March 04, 1935
WWW: http://www.bankofaugusta.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 9429
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: March 04, 1935
Last Structure Change Effective Date: December 02, 2011
Last Structure Change Process Date: December 02, 2011
Last Data Update: December 02, 2011
Data Source Date: April 05, 2012
LocationAddress: 100 South Second Street, Augusta, AR 72006
County: Woodruff
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
Financial SummaryTotal assets: $62.4 mil
Equity capital: $7.2 mil
Deposits held in domestic offices: $53.6 mil
Return on assets (ROA): 1.11% ($0.7 mil)
Quarterly return on assets: 0.59% ($0.4 mil)
Return on Equity (ROE): 9.43% ($0.7 mil)
Quarterly return on equity: 5.02% ($0.4 mil)
Net income: $0.7 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.51% ($941.8 mil)
Quarterly Pretax return on assets: 0.94% ($586.3 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)
Total employees (full-time equivalent)17
Total assets$62,368
Cash and due from depository institutions$988
Interest-bearing balances$0
Securities$21,568
Federal funds sold & reverse repurchase agreements$2,450
Net loans & leases$33,969
Loan loss allowance $356
Trading account assets$0
Bank premises and fixed assets$308
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$3,085
Life insurance assets$62,368
Total liabilities and capital$55,178
Total liabilities$53,559
Total deposits$42,324
Interest-bearing deposits$53,559
Deposits held in domestic offices$81
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,619
All other liabilities $7,190
Total equity capital$7,190
Total bank equity capital$7,190
Perpetual preferred stock$0
Common stock$200
Surplus$800
Undivided profits $6,190
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $510
Earning assets $0
Long-term assets (5+ years) $395
Average Assets, year-to-date $57,987
Average Assets, quarterly $18,055
Volatile liabilities $60,067
Insider loans $61,922
FHLB advances $37,560
Loans and leases held for sale $62,362
Unused loan commitments $1,644
Tier 1 (core) risk-based capital $664
Tier 2 risk-based capital $7,017
Total risk weighted assets $980
Total unused commitments $0
Restructured Loans and leases $1,213
Derivatives$3,513
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,742
Total interest expense $336
Net interest income $2,406
Provision for loan and lease losses $118
Total noninterest income $424
Fiduciary activities $3
Service charges on deposit accounts $248
Trading account gains & fees $0
Additional noninterest income $173
Total noninterest expense $1,814
Salaries and employee benefits $808
Premises and equipment expense $309
Additional noninterest expense $697
Pre-tax net operating income $898
Securities gains (losses) $8
Applicable income taxes $241
Income before extraordinary items $665
Extraordinary gains - net $0
Net income attributable to bank $665
Net charge-offs $0
Cash dividends $665
Sale, conversion, retirement of capital stock, net $91
Net operating income $300
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.97%
Cost of funding earning assets 0.61%
Net interest margin 4.36%
Noninterest income to earning assets 0.77%
Noninterest expense to earning assets 3.29%
Net operating income to assets 1.10%
Return on assets (ROA) 1.11%
Pretax return on assets 1.51%
Return on equity (ROE) 9.43%
Retained earnings to average equity (YTD only) 5.18%
Net charge-offs to loans 0.29%
Credit loss provision to net charge-offs 129.67%
Efficiency ratio11.16%
Assets per employee$64,099
Cash dividends to net income (YTD only)3.67%
Condition Ratios (%)
Loss allowance to loans 45.11%
Loss allowance to noncurrent loans 1.04%
Noncurrent assets plus other real estate owned to assets 69.80%
Noncurrent loans to loans 0.82%
Net loans and leases to deposits1.49%
Net loans and leases to core deposits 63.42%
Equity capital to assets 70.48%
Core capital (leverage) ratio 11.53%
Tier 1 risk-based capital ratio 11.25%
Total risk-based capital ratio 18.68%
Memoranda
Average assets$20
Average earning assets$60,067
Average equity $7,050
Average loans $55,184
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,397
Number of Accounts1
Personal trust and agency accounts$1,397
Employee benefit-defined contribution accounts$1,397
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts4
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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2 Arkansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09429The Bank Of Augusta100 South Second Street, Augusta, AR 72006March 04, 1935Full Service Brick and Mortar
1233127Hwy 64 BranchHighway 64, Augusta, AR 72006Febuary 28, 1996Full Service Retail
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