The Eudora Bank in Eudora, Arkansas (AR)



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The Eudora Bank routing number info

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The Eudora Bank
GeneralFDIC Certificate #: 11254
Status: Active
Federal Reserve ID: 243647
Bank Holding Company (Regulatory Top Holder): Delta Bancshares Of Louisiana, Inc. (RSSDID: 2806662, Location: Oak Grove, LA)
Date Established: December 30, 1930
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 7182
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural 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
LocationAddress: 111 North Main Street, Eudora, AR 71640
County: Chicot
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $30.3 mil
Equity capital: $3.0 mil
Deposits held in domestic offices: $25.7 mil
Return on assets (ROA): 0.22% ($0.1 mil)
Quarterly return on assets: -0.41% (-$0.1 mil)
Return on Equity (ROE): 2.44% ($0.1 mil)
Quarterly return on equity: -3.99% (-$0.1 mil)
Net income: $0.1 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.42% ($127.5 mil)
Quarterly Pretax return on assets: 0.19% ($57.7 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)8
Total assets$30,348
Cash and due from depository institutions$1,877
Interest-bearing balances$500
Securities$16,893
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$11,065
Loan loss allowance $238
Trading account assets$0
Bank premises and fixed assets$124
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$389
Life insurance assets$30,348
Total liabilities and capital$27,389
Total liabilities$25,684
Total deposits$20,646
Interest-bearing deposits$25,684
Deposits held in domestic offices$100
% insured (estimated)1625.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $80
All other liabilities $2,959
Total equity capital$2,959
Total bank equity capital$2,959
Perpetual preferred stock$0
Common stock$350
Surplus$1,400
Undivided profits $1,209
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 $147
Earning assets $0
Long-term assets (5+ years) $266
Average Assets, year-to-date $28,458
Average Assets, quarterly $14,062
Volatile liabilities $30,670
Insider loans $29,477
FHLB advances $16,091
Loans and leases held for sale $29,006
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,888
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,117
Derivatives$1,136
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,248
Total interest expense $242
Net interest income $1,006
Provision for loan and lease losses $0
Total noninterest income $137
Fiduciary activities $0
Service charges on deposit accounts $84
Trading account gains & fees $0
Additional noninterest income $53
Total noninterest expense $1,021
Salaries and employee benefits $439
Premises and equipment expense $125
Additional noninterest expense $457
Pre-tax net operating income $122
Securities gains (losses) $7
Applicable income taxes $60
Income before extraordinary items $69
Extraordinary gains - net $0
Net income attributable to bank $69
Net charge-offs $0
Cash dividends $69
Sale, conversion, retirement of capital stock, net -$1
Net operating income $43
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.28%
Cost of funding earning assets 0.83%
Net interest margin 3.45%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 3.50%
Net operating income to assets 0.21%
Return on assets (ROA) 0.22%
Pretax return on assets 0.42%
Return on equity (ROE) 2.44%
Retained earnings to average equity (YTD only) 0.92%
Net charge-offs to loans -0.01%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$89,326
Cash dividends to net income (YTD only)3.79%
Condition Ratios (%)
Loss allowance to loans 62.32%
Loss allowance to noncurrent loans 2.11%
Noncurrent assets plus other real estate owned to assets 161.90%
Noncurrent loans to loans 0.48%
Net loans and leases to deposits1.30%
Net loans and leases to core deposits 43.08%
Equity capital to assets 43.66%
Core capital (leverage) ratio 9.75%
Tier 1 risk-based capital ratio 9.96%
Total risk-based capital ratio 17.95%
Memoranda
Average assets$19
Average earning assets$30,670
Average equity $2,831
Average loans $29,150
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1 Arkansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07182The Eudora Bank111 North Main Street, Eudora, AR 71640December 30, 1930Full Service Brick and Mortar
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