Citizens Bank & Trust in Carlisle, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 16, 1997

  • Citizens Bank & Trust in Carlisle, Arkansas (AR)
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Citizens Bank & Trust - Overview

  • General
  • FDIC Certificate #: 1521
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First United Bank (#3893)
    Federal Reserve ID: 443643
    Date Established: January 01, 1930
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 10124
    FDIC's unique #: 1004
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 16, 1997
    Last Structure Change Process Date: August 04, 1997
    Last Data Update: August 04, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 118 North Court, Carlisle, AR 72024
    County: Lonoke
    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: $57.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $24Total assets
  • $60,411Cash and due from depository institutions
  • $2,061Interest-bearing balances
  • $26Securities
  • $24,320Federal funds sold & reverse repurchase agreements
  • $2,425Net loans & leases
  • $30,194Loan loss allowance
  • $723Trading account assets
  • $0Bank premises and fixed assets
  • $192Other real estate owned
  • $38Goodwill and other intangibles
  • $1,181Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $60,411Total liabilities
  • $53,814Total deposits
  • $51,326Interest-bearing deposits
  • $43,610Deposits held in domestic offices
  • 51326.00%% insured (estimated)
  • $83Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,116Subordinated debt
  • $0All other liabilities
  • $372Total equity capital
  • $372Total bank equity capital
  • $6,597Perpetual preferred stock
  • $0Common stock
  • $975Surplus
  • $1,025Undivided profits
  • Memoranda
  • $4,597Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $549Earning assets
  • $56,965Long-term assets (5+ years)
  • $4,007Average Assets, year-to-date
  • $57,811Average Assets, quarterly
  • $59,557Volatile liabilities
  • $8,377Insider loans
  • $776FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,278Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,628Total risk weighted assets
  • $34,805Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,516Total interest expense
  • $1,949Net interest income
  • $2,567Provision for loan and lease losses
  • $2Total noninterest income
  • $446Fiduciary activities
  • $0Service charges on deposit accounts
  • $212Trading account gains & fees
  • $0Additional noninterest income
  • $234Total noninterest expense
  • $1,270Salaries and employee benefits
  • $684Premises and equipment expense
  • $226Additional noninterest expense
  • $360Pre-tax net operating income
  • $1,741Securities gains (losses)
  • $2Applicable income taxes
  • $602Income before extraordinary items
  • $1,141Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,141Net charge-offs
  • $111Cash dividends
  • $700Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.29%Cost of funding earning assets
  • 3.58%Net interest margin
  • 4.71%Noninterest income to earning assets
  • 0.82%Noninterest expense to earning assets
  • 2.33%Net operating income to assets
  • 1.97%Return on assets (ROA)
  • 1.97%Pretax return on assets
  • 3.02%Return on equity (ROE)
  • 18.68%Retained earnings to average equity (YTD only)
  • 7.22%Net charge-offs to loans
  • 0.34%Credit loss provision to net charge-offs
  • 1.80%Efficiency ratio
  • 42,151Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.35%Loss allowance to loans
  • 2.34%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 58.83%Net loans and leases to core deposits
  • 69.84%Equity capital to assets
  • 10.92%Core capital (leverage) ratio
  • 11.11%Tier 1 risk-based capital ratio
  • 19.04%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $57,811Average earning assets
  • $6,107Average equity
  • $54,450Average loans

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