FDIC Certificate #: 32960 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Banker's Bank (#25247) Federal Reserve ID: 1451636 Date Established: May 21, 1990 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) OTS Docket #: 13008 FDIC's unique #: 46138 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: May 21, 1990 Last Structure Change Effective Date: March 31, 2011 Last Structure Change Process Date: April 12, 2011 Last Data Update: April 12, 2011 Data Source Date: April 05, 2012
Location
Address: 325 West Capitol, Suite 300, Little Rock, AR 72201 County: Pulaski 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 Metropolitan Statistical Area (MSA): Little Rock-North Little Rock, AR (#4400) Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340) Core Based Statistical Area (CBSA): Little Rock-North Little Rock-Conway, AR (#30780) CBSA Metro Statistical Area: Little Rock-North Little Rock-Conway, AR (#30780)
Financial Summary
Total assets: $163.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
24Total employees (full-time equivalent)
$163,777Total assets
$14,848Cash and due from depository institutions
$14,231Interest-bearing balances
$88,729Securities
$17,040Federal funds sold & reverse repurchase agreements
$29,823Net loans & leases
$2,000Loan loss allowance
$0Trading account assets
$3,020Bank premises and fixed assets
$0Other real estate owned
$449Goodwill and other intangibles
$4,450Life insurance assets
$9,868All other assets
$163,777Total liabilities and capital
$140,018Total liabilities
$109,453Total deposits
$0Interest-bearing deposits
$109,453Deposits held in domestic offices
100.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$29,389Other borrowed funds
$0Subordinated debt
$1,176All other liabilities
$23,759Total equity capital
$23,759Total bank equity capital
$23,759Perpetual preferred stock
$0Common stock
$50Surplus
$19,941Undivided profits
Memoranda
$3,768Noncurrent loans and leases
$7,630Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$1,002Average Assets, year-to-date
$149,823Average Assets, quarterly
$56,706Volatile liabilities
$167,206Insider loans
$164,866FHLB advances
$5,000Loans and leases held for sale
$1,194Unused loan commitments
$29,389Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,630Total unused commitments
$0Restructured Loans and leases
$983Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$5,576Total interest income
$1,119Total interest expense
$4,457Net interest income
$619Provision for loan and lease losses
$4,541Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$4,541Additional noninterest income
$5,623Total noninterest expense
$3,730Salaries and employee benefits
$319Premises and equipment expense
$1,574Additional noninterest expense
$2,756Pre-tax net operating income
$241Securities gains (losses)
$609Applicable income taxes
$2,388Income before extraordinary items
$0Extraordinary gains - net
$2,388Net income attributable to bank
$0Net charge-offs
$2,388Cash dividends
-$31Sale, conversion, retirement of capital stock, net
$274Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.63%Yield on earning assets
0.73%Cost of funding earning assets
2.90%Net interest margin
2.96%Noninterest income to earning assets
3.66%Noninterest expense to earning assets
1.31%Net operating income to assets
1.43%Return on assets (ROA)
1.79%Pretax return on assets
10.13%Return on equity (ROE)
8.96%Retained earnings to average equity (YTD only)
-0.09%Net charge-offs to loans
-1996.77%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,492Assets per employee
6.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
11.47%Loss allowance to loans
6.28%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
27.25%Net loans and leases to core deposits
27.25%Equity capital to assets
14.51%Core capital (leverage) ratio
13.52%Tier 1 risk-based capital ratio
30.43%Total risk-based capital ratio
Memoranda
$32Average assets
$167,206Average earning assets
$23,582Average equity
$153,590Average loans
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