First Delta Bank

Report generated from DepositInsuredBanks.com
DepositInsuredBanks.com


Overview

FDIC Cert 17047
Address
214 Hester Parker Drive, Marked Tree, AR 72365
FDIC Unique Number 11108
Federal Reserve ID 713140
Federal Reserve ID for Bank Holding Company 1139783
OCC Charter Number 0
OTS Docket Number Not available or not applicable
MSA
County Poinsett
Website http://www.firstdeltabank.com
Established On 10/17/1951
Insured On 10/17/1951
Holding Company Tyronza Bancshares, Inc.
Regulator Federal Reserve Board
Asset Concentration Agricultural Specialization
Ownership Type
Domestic Offices 3
Foreign Offices
Bank Charter Class SM - Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)

Recent Changes

Change in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)

Financial Snapshot

USD, Thousands
Total Assets 65,298
Total Deposits 50,476
Domestic Deposits 50,476
Bank Equity Capital 6,112
Year to Date Quarterly
Net Income USD, 000 328 195
Return on Assets 0.7% 1.23%
Return on Equity 7.58% 13.25%
Pre-Tax Return on Assets 1.11% 1.63%
as of 09/30/2015

Financial Health

As of 09/30/2015
Low Risk

The Texas ratio is a measure of a bank's credit troubles. It is a way to measure how risky a bank is. The higher the Texas ratio, the more severe the credit troubles. Any bank with a TX Ratio near or greater than 100% is considered at risk. Developed by Gerard Cassidy and others at RBC Capital Markets, it is calculated by dividing the value of the lender's non-performing assets (Non performing loans + Real Estate Owned) by the sum of its tangible common equity capital and loan loss reserves.

First Delta Bank has a texas ratio of 4.06 which puts it at low risk. As of 09/30/2015 the bank had $211 Non Current Loans and Leases, $57 Other Real Estate Owned, $6,112 Total Equity Capital and $488 Loan Loss Allowance.

Historical Texas Ratios

Date Non Current Loans and Leases Other Real Estate Owned Total Equity Capital Loan Loss Allowance TX Ratio
09/30/2015 $211 $57 $6,112 $488 4.06
06/30/2015 $216 $62 $5,663 $488 4.52
03/31/2015 $256 $119 $5,847 $489 5.92
12/31/2014 $87 $122 $5,447 $490 3.52
09/30/2014 $182 $147 $5,468 $490 5.52
06/30/2014 $190 $147 $5,270 $489 5.85
03/31/2014 $346 $147 $4,796 $487 9.33
12/31/2013 $255 $147 $4,413 $488 8.2
09/30/2013 $347 $60 $4,887 $479 7.58
06/30/2013 $314 $60 $4,765 $479 7.13
03/31/2013 $323 $60 $5,500 $480 6.4
12/31/2012 $173 $60 $5,491 $524 3.87
09/30/2012 $211 $60 $5,780 $525 4.3
06/30/2012 $164 $60 $5,540 $526 3.69
03/31/2012 $141 $60 $5,335 $525 3.43
12/31/2011 $0 $60 $5,331 $517 1.03
09/30/2011 $90 $367 $5,684 $466 7.43
06/30/2011 $77 $367 $5,469 $438 7.52
03/31/2011 $106 $367 $5,024 $428 8.68
12/31/2010 $90 $367 $4,938 $429 8.51
09/30/2010 $104 $397 $5,481 $332 8.62
06/30/2010 $98 $427 $5,221 $318 9.48
03/31/2010 $98 $427 $5,002 $289 9.92
12/31/2009 $308 $230 $4,907 $260 10.41
09/30/2009 $389 $0 $5,191 $259 7.14
06/30/2009 $333 $0 $4,924 $226 6.47
03/31/2009 $203 $0 $4,895 $330 3.89

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Assets and Liabilities

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total employees (full-time equivalent) 16 16 16 16 16 Chart
Total Assets 65,298 61,386 57,754 65,468 68,960 Chart
Cash & Balances due from depository institutions 2,279 2,411 2,119 2,403 2,748 Chart
Interest-bearing balances 1 1 1 1 738 Chart
Securities 36,485 36,182 38,521 37,251 38,638 Chart
Federal funds sold and reverse repurchase 0 0 0 9,250 0 Chart
Net loans and leases 25,096 21,344 15,754 14,829 25,547 Chart
Loan loss allowance 488 488 489 490 490 Chart
Trading account assets 0 0 0 0 0 Chart
Bank premises and fixed assets 479 490 498 509 525 Chart
Other real estate owned 57 62 119 122 147 Chart
Goodwill and other intangibles 0 0 0 0 0 Chart
All other assets 902 897 743 1,104 1,355 Chart
Total Liabilities and Capital 65,298 61,386 57,754 65,468 68,960 Chart
Total Liabilities 59,186 55,723 51,907 60,021 63,492 Chart
Total deposits 50,476 47,995 50,046 55,657 49,276 Chart
Interest-bearing deposits 39,457 38,019 38,345 40,147 39,388 Chart
Deposits held in domestic offices 50,476 47,995 50,046 55,657 49,276 Chart
% insured (estimated) 90% 94% 93% 87% 92% Chart
Federal funds purchased and repurchase agreements 7,475 6,575 650 0 8,100 Chart
Trading liabilities 0 0 0 0 0 Chart
Other borrowed funds 1,000 1,000 1,000 4,000 6,000 Chart
Subordinated debt 0 0 0 0 0 Chart
All other liabilities 235 153 211 364 116 Chart
Total equity capital 6,112 5,663 5,847 5,447 5,468 Chart
Bank equity capital 6,112 5,663 5,847 5,447 5,468 Chart
Perpetual preferred stock 0 0 0 0 0 Chart
Common stock 50 50 50 50 50 Chart
Surplus 2,500 2,500 2,500 2,500 2,500 Chart
Undivided profits 3,562 3,113 3,297 2,897 2,918 Chart
Equity, minor interest in consolidated subs 0 0 0 0 0 Chart
Memoranda
Noncurrent loans and leases 211 216 256 87 182 Chart
Noncurrent loans which are wholly or partially guaranteed by the U.S. 0 0 0 0 0 Chart
Income earned, not collected on loans 430 369 266 321 479 Chart
Earning assets 61,582 57,527 54,276 61,331 64,923 Chart
Long-term assets (5+ years) 25,549 25,475 26,323 27,012 29,986 Chart
Average total assets 62,477 61,536 61,611 65,307 65,267 Chart
Average assets, quarterly 63,342 59,570 61,611 67,214 67,616 Chart
Total risk weighted assets adjusted 28,767 20,666 29,427 25,621 33,323 Chart
Adjusted average assets for leverage capital purposes 64,781 58,372 58,133 64,781 68,549 Chart
Life insurance assets 0 0 0 0 0 Chart
General account life insurance assets 0 0 0 0 0 Chart
Separate account life insurance assets 0 0 0 0 0 Chart
Hybrid life insurance assets 0 0 0 0 0 Chart
Volatile liabilities 10,607 9,712 3,486 5,828 9,616 Chart
Insider loans 217 220 223 199 244 Chart
FHLB advances 1,000 1,000 1,000 4,000 6,000 Chart
Loans and leases held for sale 0 0 0 0 0 Chart
Unused loan commitments 1,821 6,937 10,145 2,848 4,096 Chart
Tier one (core) capital 6,151 5,956 5,875 5,835 6,051 Chart
Tier 2 Risk-based capital 361 261 489 322 407 Chart
Total unused commitments 1,821 6,937 10,145 2,848 4,096 Chart
Derivatives 0 0 0 0 0 Chart

Income and Expenses

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total interest income 1,526 930 423 2,192 1,661 Chart
Total interest expense 102 62 30 153 118 Chart
Net interest income 1,424 868 393 2,039 1,543 Chart
Provision for loan and lease losses 0 0 0 0 0 Chart
Total noninterest income 212 145 72 349 267 Chart
Gross Fiduciary activities income 0 0 0 0 0 Chart
Service charges on deposit accounts 161 108 55 278 212 Chart
Trading account gains and fees 0 0 0 0 0 Chart
Additional Noninterest Income 51 37 17 71 55 Chart
Total noninterest expense 1,128 757 360 1,556 1,137 Chart
Salaries and employee benefits 529 348 166 772 571 Chart
Premises and equipment expense 148 97 48 206 154 Chart
Additional noninterest expense 451 312 146 578 412 Chart
Pre-tax net operating income 508 256 105 832 673 Chart
Securities gains (losses) 12 6 0 13 13 Chart
Applicable income taxes 192 129 65 288 194 Chart
Income before extraordinary items 328 133 40 557 492 Chart
Extraordinary gains, net 0 0 0 0 0 Chart
Net income 328 133 40 557 492 Chart
Minority interest net income 0 0 0 0 0 Chart
Net income of bank and minority interests 328 133 40 557 492 Chart
Net charge-offs 2 2 1 -2 -1 Chart
Cash dividends 12 12 0 280 0 Chart
Sale, conversion, retirement of capital stock, net 0 0 0 0 0 Chart
Net operating income 320 129 40 548 483 Chart

Securities

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total securities 36,485 36,182 38,521 37,251 38,638 Chart
U.S. Government securities 32,034 31,923 33,511 32,195 33,821 Chart
U.S. Treasury securities 0 0 0 0 0 Chart
U.S. Government agency obligations 32,034 31,923 33,511 32,195 33,821 Chart
Securities issued by states & political subdivisions 4,451 4,259 4,510 4,551 4,307 Chart
Other domestic debt securities 0 0 500 505 510 Chart
Privately issued residential mortgage-backed securities 0 0 0 0 0 Chart
Commercial mortgage-backed securities - Total 0 0 0 0 0 Chart
Asset backed securities 0 0 0 0 0 Chart
Structured financial products - Total 0 0 0 0 0 Chart
Other domestic debt securities - All other 0 0 500 505 510 Chart
Foreign debt securities 0 0 0 0 0 Chart
Equity securities 0 0 0 0 0 Chart
Assets held in trading accounts for TFR Reporters 0 0 0 0 0 Chart
General valuation allowances for securities for TFR Reporters 0 0 0 0 0 Chart
Memoranda
Pledged securities 10,486 10,296 10,385 10,402 10,167 Chart
Mortgage-backed securities 7,402 7,432 8,711 7,861 8,259 Chart
Certificates of participation in pools of residential mortgages 2,394 2,548 3,215 3,369 3,520 Chart
Issued or guaranteed by U.S. 2,394 2,548 3,215 3,369 3,520 Chart
Privately issued 0 0 0 0 0 Chart
Collaterized mortgage obligations 4,485 4,362 4,966 3,968 4,221 Chart
CMOs issued by government agencies or sponsored agencies 4,485 4,362 4,966 3,968 4,221 Chart
Privately issued 0 0 0 0 0 Chart
Commercial mortgage-backed securities 523 522 530 524 518 Chart
Commercial mortgage pass-through securities 0 0 0 0 0 Chart
Other commercial mortgage-backed securities 523 522 530 524 518 Chart
Held to maturity securities (book value) 0 0 0 0 0 Chart
Available-for-sale securities (fair market value) 36,485 36,182 38,521 37,251 38,638 Chart
Total debt securities 36,485 36,182 38,521 37,251 38,638 Chart
Structured Notes
Amortized cost 857 1,015 1,017 1,020 1,025 Chart
Fair value 851 998 1,010 993 984 Chart
Trading account assets 0 0 0 0 0 Chart
Revaluation gains on off-balance sheet contracts 0 0 0 0 0 Chart
Revaluation losses on off-balance sheet contracts 0 0 0 0 0 Chart

Performance and Condition Ratios

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
% of unprofitable institutions N/A N/A N/A N/A N/A Chart
% of insitutions with earnings gains N/A N/A N/A N/A N/A Chart
Performance Ratios (%, annualized)
Yield on earning assets 3.47% 3.22% 2.93% 3.59% 3.64% Chart
Cost of funding earning assets 0.23% 0.21% 0.21% 0.25% 0.26% Chart
Net interest margin 3.24% 3.01% 2.72% 3.34% 3.38% Chart
Noninterest income to average assets 0.45% 0.47% 0.47% 0.53% 0.55% Chart
Noninterest expense to average assets 2.41% 2.46% 2.34% 2.38% 2.32% Chart
Loan and lease loss provision to assets 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Net operating income to assets 0.68% 0.42% 0.26% 0.84% 0.99% Chart
Return on assets (ROA) 0.70% 0.43% 0.26% 0.85% 1.01% Chart
Pretax return on assets 1.11% 0.85% 0.68% 1.29% 1.40% Chart
Return on Equity (ROE) 7.58% 4.71% 2.83% 10.97% 13.15% Chart
Retained earnings to average equity (YTD only) 7.31% 4.28% 2.83% 5.45% 13.15% Chart
Net charge-offs to loans 0.01% 0.02% 0.03% -0.01% -0.01% Chart
Credit loss provision to net charge-offs 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Earnings coverage of net charge-offs (x) 253.68% 128.00% 105.00% 0.00% 0.00% Chart
Efficiency ratio 68.95% 74.73% 77.42% 65.16% 62.82% Chart
Assets per employee ($millions) 4.08% 3.84% 3.61% 4.09% 4.31% Chart
Cash dividends to net income (YTD only) 3.66% 9.02% 0.00% 50.27% 0.00% Chart
Condition Ratios (%)
Loss allowance to loans 1.91% 2.24% 3.01% 3.20% 1.88% Chart
Loan loss allowance to noncurrent loans 231.28% 225.93% 191.02% 563.22% 269.23% Chart
Noncurrent assets plus other real estate owned to assets 0.41% 0.45% 0.65% 0.32% 0.48% Chart
Noncurrent loans to loans 0.82% 0.99% 1.58% 0.57% 0.70% Chart
Net loans and leases to total assets 38.43% 34.77% 27.28% 22.65% 37.05% Chart
Net loans and leases to deposits 49.72% 44.47% 31.48% 26.64% 51.84% Chart
Net loans and leases to core deposits 51.91% 46.54% 32.68% 27.55% 53.49% Chart
Total domestic deposits to total assets 77.30% 78.19% 86.65% 85.01% 71.46% Chart
Equity capital to assets 9.36% 9.23% 10.12% 8.32% 7.93% Chart
Core capital (leverage) ratio 9.50% 10.20% 10.11% 9.01% 8.83% Chart
Tier 1 risk-based capital ratio 21.38% 28.82% 19.96% 22.77% 18.16% Chart
Total risk-based capital ratio 22.64% 30.08% 21.63% 24.03% 19.38% Chart
Memoranda
Average total assets 62,477 61,536 61,611 65,307 65,267 Chart
Average earning assets 58,679 57,711 57,804 60,993 60,908 Chart
Average equity 5,767 5,652 5,647 5,079 4,987 Chart
Average loans 19,745 17,798 15,781 19,574 20,638 Chart