FDIC Certificate #: 19662 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Eagle Bank and Trust Company (#3873) Federal Reserve ID: 123440 Bank Holding Company (Regulatory Top Holder): State Holding Company (RSSDID: 1100046, Location: Little Rock, AR) Date Established: January 06, 1967 WWW:http://www.eaglebank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 6 (Domestic: 6, Interstate: No) OTS Docket #: 13969 FDIC's unique #: 13461 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 06, 1967 Last Structure Change Effective Date: Febuary 24, 2012 Last Structure Change Process Date: March 07, 2012 Last Data Update: March 07, 2012 Data Source Date: April 05, 2012
Location
Address: 650 Shakleford, Suite 150, Little Rock, AR 72211 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: $137.7 mil Equity capital: $13.5 mil Deposits held in domestic offices: $112.3 mil Return on assets (ROA): 0.88% ($1.2 mil) Quarterly return on assets: 0.84% ($1.2 mil) Return on Equity (ROE): 9.38% ($1.3 mil) Quarterly return on equity: 8.43% ($1.2 mil) Net income: $1.2 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.09% ($1,500.9 mil) Quarterly Pretax return on assets: 0.99% ($1,363.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
36Total employees (full-time equivalent)
$137,701Total assets
$3,248Cash and due from depository institutions
$117Interest-bearing balances
$70,231Securities
$1,700Federal funds sold & reverse repurchase agreements
$55,704Net loans & leases
$907Loan loss allowance
$0Trading account assets
$706Bank premises and fixed assets
$1,604Other real estate owned
$0Goodwill and other intangibles
$137,701Life insurance assets
$4,508All other assets
$124,179Total liabilities and capital
$112,277Total liabilities
$87,665Total deposits
$112,277Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$11,111Trading liabilities
$0Other borrowed funds
$791Subordinated debt
$13,522All other liabilities
$13,522Total equity capital
$13,522Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$2,885Surplus
$10,537Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$319Income earned, not collected on loans
$0Earning assets
$643Long-term assets (5+ years)
$127,752Average Assets, year-to-date
$63,882Average Assets, quarterly
$136,956Volatile liabilities
$136,720Insider loans
$75,146FHLB advances
$135,976Loans and leases held for sale
$2,236Unused loan commitments
$1,246Tier 1 (core) risk-based capital
$12,517Tier 2 risk-based capital
$0Total risk weighted assets
$990Total unused commitments
$4,985Restructured Loans and leases
$70Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,019Total interest income
$1,452Total interest expense
$4,567Net interest income
$142Provision for loan and lease losses
$460Total noninterest income
$0Fiduciary activities
$201Service charges on deposit accounts
$0Trading account gains & fees
$259Additional noninterest income
$3,388Total noninterest expense
$1,772Salaries and employee benefits
$522Premises and equipment expense
$1,094Additional noninterest expense
$1,497Pre-tax net operating income
$0Securities gains (losses)
$291Applicable income taxes
$1,206Income before extraordinary items
$0Extraordinary gains - net
$1,206Net income attributable to bank
$0Net charge-offs
$1,206Cash dividends
$82Sale, conversion, retirement of capital stock, net
$200Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.71%Yield on earning assets
1.14%Cost of funding earning assets
3.58%Net interest margin
0.36%Noninterest income to earning assets
2.65%Noninterest expense to earning assets
0.88%Net operating income to assets
0.88%Return on assets (ROA)
1.09%Pretax return on assets
9.38%Return on equity (ROE)
7.83%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
173.17%Credit loss provision to net charge-offs
19.99%Efficiency ratio
67,396Assets per employee
3.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
16.58%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
284.33%Noncurrent assets plus other real estate owned to assets
1.40%Noncurrent loans to loans
0.56%Net loans and leases to deposits
49.61%Net loans and leases to core deposits
57.37%Equity capital to assets
9.82%Core capital (leverage) ratio
9.21%Tier 1 risk-based capital ratio
16.66%Total risk-based capital ratio
Memoranda
$18Average assets
$136,956Average earning assets
$12,855Average equity
$127,716Average loans
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