Citizens First Bank in Little Rock, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 30, 1995

  • Citizens First Bank in Little Rock, Arkansas (AR)
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Citizens First Bank - Overview

  • General
  • FDIC Certificate #: 33495
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Commercial Bank, National Association (#13739)
    Federal Reserve ID: 1891821
    Date Established: September 06, 1991
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 47219
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 06, 1991
    Last Structure Change Effective Date: November 30, 1995
    Last Structure Change Process Date: December 27, 1995
    Last Data Update: December 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 320 Capitol At Spring, 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: $91.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $41Total assets
  • $91,440Cash and due from depository institutions
  • $5,618Interest-bearing balances
  • $4,028Securities
  • $23,143Federal funds sold & reverse repurchase agreements
  • $10Net loans & leases
  • $59,935Loan loss allowance
  • $758Trading account assets
  • $0Bank premises and fixed assets
  • $1,339Other real estate owned
  • $168Goodwill and other intangibles
  • $782Life insurance assets
  • $445All other assets
  • $0Total liabilities and capital
  • $91,440Total liabilities
  • $84,901Total deposits
  • $84,020Interest-bearing deposits
  • $79,258Deposits held in domestic offices
  • 84020.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $881Total equity capital
  • $881Total bank equity capital
  • $6,539Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $6,108Undivided profits
  • Memoranda
  • $31Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $665Income earned, not collected on loans
  • $353Earning assets
  • $87,116Long-term assets (5+ years)
  • $34,185Average Assets, year-to-date
  • $66,718Average Assets, quarterly
  • $91,293Volatile liabilities
  • $6,739Insider loans
  • $95FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,415Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,796Total risk weighted assets
  • $53,353Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,720Total interest expense
  • $2,021Net interest income
  • $2,699Provision for loan and lease losses
  • $102Total noninterest income
  • $390Fiduciary activities
  • $0Service charges on deposit accounts
  • $253Trading account gains & fees
  • $0Additional noninterest income
  • $137Total noninterest expense
  • $1,825Salaries and employee benefits
  • $829Premises and equipment expense
  • $332Additional noninterest expense
  • $664Pre-tax net operating income
  • $1,162Securities gains (losses)
  • $66Applicable income taxes
  • $416Income before extraordinary items
  • $812Extraordinary gains - net
  • $0Net income attributable to bank
  • $812Net charge-offs
  • $6Cash dividends
  • $375Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.48%Cost of funding earning assets
  • 3.20%Net interest margin
  • 4.28%Noninterest income to earning assets
  • 0.62%Noninterest expense to earning assets
  • 2.89%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 1.84%Return on equity (ROE)
  • 15.13%Retained earnings to average equity (YTD only)
  • 8.14%Net charge-offs to loans
  • 0.02%Credit loss provision to net charge-offs
  • 1700.00%Efficiency ratio
  • 58,498Assets per employee
  • 2.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.18%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 113.98%Noncurrent assets plus other real estate owned to assets
  • 0.91%Noncurrent loans to loans
  • 1.10%Net loans and leases to deposits
  • 71.33%Net loans and leases to core deposits
  • 77.55%Equity capital to assets
  • 7.15%Core capital (leverage) ratio
  • 7.53%Tier 1 risk-based capital ratio
  • 12.74%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $66,718Average earning assets
  • $5,368Average equity
  • $63,119Average loans

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