OZARK HERITAGE BANK NATIONAL ASSOCIATION in Mountain View, Arkansas (AR)
| Assets and Liabilities (December 31, 2010) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 32 |
| Total assets | $61,590 |
| Cash and due from depository institutions | $989 |
| Interest-bearing balances | $0 |
| Securities | $8,158 |
| Federal funds sold & reverse repurchase agreements | $495 |
| Net loans & leases | $46,248 |
| Loan loss allowance | $1,180 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,867 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $1,026 |
| All other assets | $1,807 |
| Life insurance assets | $0 |
| Total liabilities and capital | $61,590 |
| Total liabilities | $54,595 |
| Total deposits | $53,585 |
| Interest-bearing deposits | $50,673 |
| Deposits held in domestic offices | $53,585 |
| % insured (estimated) | 96.83% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $908 |
| Subordinated debt | $0 |
| All other liabilities | $102 |
| Total equity capital | $6,995 |
| Total bank equity capital | $6,995 |
| Perpetual preferred stock | $6,995 |
| Common stock | $650 |
| Surplus | $8 |
| Undivided profits | $7,371 |
| Memoranda | |
| Noncurrent loans and leases | $-1,034 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,273 |
| Income earned, not collected on loans | $0 |
| Earning assets | $893 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $576 |
| Average Assets, quarterly | $54,901 |
| Volatile liabilities | $6,637 |
| Insider loans | $62,722 |
| FHLB advances | $61,643 |
| Loans and leases held for sale | $31,911 |
| Unused loan commitments | $2,585 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $0 |
| Total unused commitments | $1,273 |
| Restructured Loans and leases | $0 |
| Derivatives | $526 |
| Income and Expense (December 31, 2010) (Dollar figures in thousands) | |
| Total interest income | $3,543 |
| Total interest expense | $1,459 |
| Net interest income | $2,084 |
| Provision for loan and lease losses | $615 |
| Total noninterest income | $417 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $97 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $320 |
| Total noninterest expense | $2,181 |
| Salaries and employee benefits | $812 |
| Premises and equipment expense | $306 |
| Additional noninterest expense | $1,063 |
| Pre-tax net operating income | -$295 |
| Securities gains (losses) | $302 |
| Applicable income taxes | $3 |
| Income before extraordinary items | $4 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $4 |
| Net charge-offs | $0 |
| Cash dividends | $4 |
| Sale, conversion, retirement of capital stock, net | $86 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2010) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 6.23% |
| Cost of funding earning assets | 2.57% |
| Net interest margin | 3.67% |
| Noninterest income to earning assets | 0.73% |
| Noninterest expense to earning assets | 3.84% |
| Net operating income to assets | -0.30% |
| Return on assets (ROA) | 0.01% |
| Pretax return on assets | 0.01% |
| Return on equity (ROE) | 0.06% |
| Retained earnings to average equity (YTD only) | 0.06% |
| Net charge-offs to loans | 0.21% |
| Credit loss provision to net charge-offs | 715.12% |
| Efficiency ratio | 3.72% |
| Assets per employee | $86,565 |
| Cash dividends to net income (YTD only) | 1.92% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.49% |
| Noncurrent assets plus other real estate owned to assets | 132.14% |
| Noncurrent loans to loans | 1.45% |
| Net loans and leases to deposits | 1.88% |
| Net loans and leases to core deposits | 86.31% |
| Equity capital to assets | 213.38% |
| Core capital (leverage) ratio | 11.36% |
| Tier 1 risk-based capital ratio | 9.13% |
| Total risk-based capital ratio | 12.97% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $62,722 |
| Average equity | $6,316 |
| Average loans | $56,843 |
| 2 Arkansas Branches as of Febuary 17, 2011 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 11424 | Ozark Heritage Bank National Associa | 802 East Main Street, Mountain View, AR 72560 | April 29, 1955 | Full Service Brick and Mortar |  |
| 2 | 489689 | Althemer Branch | Front And Chestnut Street, Altheimer, AR 72004 | April 01, 2009 | Full Service Brick and Mortar |  |
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