FDIC Certificate #: 21746 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank (#3857) Federal Reserve ID: 30146 Date Established: August 30, 1974 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) OTS Docket #: 10846 FDIC's unique #: 15054 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: August 30, 1974 Last Structure Change Effective Date: January 20, 2005 Last Structure Change Process Date: March 16, 2005 Last Data Update: March 16, 2005 Data Source Date: April 05, 2012
Location
Address: 420 South Main Street, Nashville, AR 71852 County: Howard Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Shreveport Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $45.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
13Total employees (full-time equivalent)
$45,949Total assets
$1,509Cash and due from depository institutions
$177Interest-bearing balances
$24,270Securities
$1,100Federal funds sold & reverse repurchase agreements
$18,008Net loans & leases
$202Loan loss allowance
$0Trading account assets
$213Bank premises and fixed assets
$164Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$685All other assets
$45,949Total liabilities and capital
$38,056Total liabilities
$37,990Total deposits
$33,240Interest-bearing deposits
$37,990Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$66All other liabilities
$7,893Total equity capital
$7,893Total bank equity capital
$7,893Perpetual preferred stock
$0Common stock
$300Surplus
$1,100Undivided profits
Memoranda
$6,493Noncurrent loans and leases
$931Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$164Earning assets
$0Long-term assets (5+ years)
$308Average Assets, year-to-date
$43,555Average Assets, quarterly
$928Volatile liabilities
$46,504Insider loans
$45,865FHLB advances
$12,117Loans and leases held for sale
$417Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$931Total unused commitments
$0Restructured Loans and leases
$202Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$2,342Total interest income
$521Total interest expense
$1,821Net interest income
$152Provision for loan and lease losses
$370Total noninterest income
$0Fiduciary activities
$324Service charges on deposit accounts
$0Trading account gains & fees
$46Additional noninterest income
$985Total noninterest expense
$448Salaries and employee benefits
$95Premises and equipment expense
$442Additional noninterest expense
$1,054Pre-tax net operating income
$0Securities gains (losses)
$348Applicable income taxes
$706Income before extraordinary items
$0Extraordinary gains - net
$706Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$236Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.31%Yield on earning assets
1.18%Cost of funding earning assets
4.13%Net interest margin
0.84%Noninterest income to earning assets
2.24%Noninterest expense to earning assets
1.52%Net operating income to assets
1.52%Return on assets (ROA)
2.27%Pretax return on assets
9.30%Return on equity (ROE)
9.30%Retained earnings to average equity (YTD only)
1.16%Net charge-offs to loans
64.41%Credit loss provision to net charge-offs
5.11%Efficiency ratio
44,957Assets per employee
3.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.11%Loss allowance to noncurrent loans
123.17%Noncurrent assets plus other real estate owned to assets
0.71%Noncurrent loans to loans
0.90%Net loans and leases to deposits
47.40%Net loans and leases to core deposits
69.60%Equity capital to assets
17.18%Core capital (leverage) ratio
17.24%Tier 1 risk-based capital ratio
37.28%Total risk-based capital ratio
Memoranda
$38Average assets
$46,504Average earning assets
$7,594Average equity
$44,067Average loans
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