FDIC Certificate #: 104 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The City National Bank of Fort Smith (#3865) Federal Reserve ID: 307240 Date Established: January 01, 1909 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 84 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: October 22, 1999 Last Structure Change Process Date: December 17, 1999 Last Data Update: December 17, 1999 Data Source Date: April 05, 2012
Location
Address: U.S. Highways 64 And 71, Alma, AR 72921 County: Crawford 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): Fort Smith, AR-OK (#2720) Core Based Statistical Area (CBSA): Fort Smith, AR-OK (#22900) CBSA Metro Statistical Area: Fort Smith, AR-OK (#22900)
Financial Summary
Total assets: $73.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
24Total employees (full-time equivalent)
$70,588Total assets
$712Cash and due from depository institutions
$0Interest-bearing balances
$24,802Securities
$1,700Federal funds sold & reverse repurchase agreements
$40,391Net loans & leases
$754Loan loss allowance
$0Trading account assets
$1,288Bank premises and fixed assets
$0Other real estate owned
$1,029Goodwill and other intangibles
$0Life insurance assets
$666All other assets
$70,588Total liabilities and capital
$64,238Total liabilities
$63,984Total deposits
$56,991Interest-bearing deposits
$63,984Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$254All other liabilities
$6,350Total equity capital
$6,350Total bank equity capital
$6,350Perpetual preferred stock
$0Common stock
$200Surplus
$5,261Undivided profits
Memoranda
$889Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$208Earning assets
$0Long-term assets (5+ years)
$393Average Assets, year-to-date
$66,893Average Assets, quarterly
$7,881Volatile liabilities
$67,607Insider loans
$70,259FHLB advances
$12,639Loans and leases held for sale
$799Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,705Total unused commitments
$0Restructured Loans and leases
$39,511Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$5,389Total interest income
$2,516Total interest expense
$2,873Net interest income
$158Provision for loan and lease losses
$405Total noninterest income
$0Fiduciary activities
$271Service charges on deposit accounts
$0Trading account gains & fees
$134Additional noninterest income
$1,645Total noninterest expense
$783Salaries and employee benefits
$102Premises and equipment expense
$760Additional noninterest expense
$1,475Pre-tax net operating income
$0Securities gains (losses)
$442Applicable income taxes
$1,033Income before extraordinary items
$0Extraordinary gains - net
$1,033Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$117Sale, conversion, retirement of capital stock, net
$1,026Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.58%Yield on earning assets
4.01%Cost of funding earning assets
4.57%Net interest margin
0.64%Noninterest income to earning assets
2.62%Noninterest expense to earning assets
1.53%Net operating income to assets
1.53%Return on assets (ROA)
2.18%Pretax return on assets
15.56%Return on equity (ROE)
0.11%Retained earnings to average equity (YTD only)
-0.30%Net charge-offs to loans
-135.04%Credit loss provision to net charge-offs
0.00%Efficiency ratio
47,010Assets per employee
2.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
99.32%Loss allowance to loans
1.83%Loss allowance to noncurrent loans
362.50%Noncurrent assets plus other real estate owned to assets
0.29%Noncurrent loans to loans
0.51%Net loans and leases to deposits
63.13%Net loans and leases to core deposits
78.67%Equity capital to assets
9.00%Core capital (leverage) ratio
7.61%Tier 1 risk-based capital ratio
13.35%Total risk-based capital ratio
Memoranda
$15Average assets
$67,607Average earning assets
$6,639Average equity
$62,805Average loans
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