The Eudora Bank in Eudora, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Eudora Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 8Total employees (full-time equivalent)
  • $30,348Total assets
  • $1,877Cash and due from depository institutions
  • $500Interest-bearing balances
  • $16,893Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $11,065Net loans & leases
  • $238Loan loss allowance
  • $0Trading account assets
  • $124Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $30,348Life insurance assets
  • $389All other assets
  • $27,389Total liabilities and capital
  • $25,684Total liabilities
  • $20,646Total deposits
  • $25,684Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 1625.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $80Subordinated debt
  • $2,959All other liabilities
  • $2,959Total equity capital
  • $2,959Total bank equity capital
  • $0Perpetual preferred stock
  • $350Common stock
  • $1,400Surplus
  • $1,209Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $147Income earned, not collected on loans
  • $0Earning assets
  • $266Long-term assets (5+ years)
  • $28,458Average Assets, year-to-date
  • $14,062Average Assets, quarterly
  • $30,670Volatile liabilities
  • $29,477Insider loans
  • $16,091FHLB advances
  • $29,006Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,888Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,117Restructured Loans and leases
  • $1,136Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,248Total interest income
  • $242Total interest expense
  • $1,006Net interest income
  • $0Provision for loan and lease losses
  • $137Total noninterest income
  • $0Fiduciary activities
  • $84Service charges on deposit accounts
  • $0Trading account gains & fees
  • $53Additional noninterest income
  • $1,021Total noninterest expense
  • $439Salaries and employee benefits
  • $125Premises and equipment expense
  • $457Additional noninterest expense
  • $122Pre-tax net operating income
  • $7Securities gains (losses)
  • $60Applicable income taxes
  • $69Income before extraordinary items
  • $0Extraordinary gains - net
  • $69Net income attributable to bank
  • $0Net charge-offs
  • $69Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $43Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.45%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.42%Pretax return on assets
  • 2.44%Return on equity (ROE)
  • 0.92%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 89,326Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.32%Loss allowance to loans
  • 2.11%Loss allowance to noncurrent loans
  • 161.90%Noncurrent assets plus other real estate owned to assets
  • 0.48%Noncurrent loans to loans
  • 1.30%Net loans and leases to deposits
  • 43.08%Net loans and leases to core deposits
  • 43.66%Equity capital to assets
  • 9.75%Core capital (leverage) ratio
  • 9.96%Tier 1 risk-based capital ratio
  • 17.95%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $30,670Average earning assets
  • $2,831Average equity
  • $29,150Average loans

List of branches

  • 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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