First Commercial Bank, National Association in city_name, state_name

First Commercial Bank, National Association in Little Rock, Arkansas (AR)
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First Commercial Bank, National Association - Overview

General
FDIC Certificate #: 13739
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Regions Bank (#12368)
Federal Reserve ID: 951447
Date Established: January 01, 1934
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 33 (Interstate: No)
OTS Docket #: 11934
FDIC's unique #: 8590
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: January 24, 1934
Last Structure Change Effective Date: November 05, 1998
Last Structure Change Process Date: December 03, 1998
Last Data Update: December 03, 1998
Data Source Date: April 05, 2012
Location
Address: 400 West Capitol Street, Little Rock, AR 72201
County: Pulaski
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Atlanta
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: $2,047.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

Dollar figures in thousands
675Total employees (full-time equivalent)
$1,893,183Total assets
$213,841Cash and due from depository institutions
$0Interest-bearing balances
$451,598Securities
$91,805Federal funds sold & reverse repurchase agreements
$998,789Net loans & leases
$15,875Loan loss allowance
$149Trading account assets
$29,770Bank premises and fixed assets
$1,619Other real estate owned
$39,860Goodwill and other intangibles
$0Life insurance assets
$65,752All other assets
$1,893,183Total liabilities and capital
$1,753,728Total liabilities
$1,567,724Total deposits
$1,056,447Interest-bearing deposits
$1,567,724Deposits held in domestic offices
0.00%% insured (estimated)
$130,679Federal funds purchased & repurchase agreements
$0Trading liabilities
$27,734Other borrowed funds
$0Subordinated debt
$27,591All other liabilities
$139,455Total equity capital
$139,455Total bank equity capital
$139,455Perpetual preferred stock
$0Common stock
$885Surplus
$41,012Undivided profits
Memoranda
$97,558Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$8,681Earning assets
$804Long-term assets (5+ years)
$7,624Average Assets, year-to-date
$1,542,341Average Assets, quarterly
$169,550Volatile liabilities
$1,798,243Insider loans
$1,858,132FHLB advances
$328,782Loans and leases held for sale
$95,150Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$38,652Total risk weighted assets
$419,189Total unused commitments
$0Restructured Loans and leases
$1,354,024Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$111,467Total interest income
$41,731Total interest expense
$69,736Net interest income
$5,376Provision for loan and lease losses
$66,728Total noninterest income
$3,779Fiduciary activities
$9,781Service charges on deposit accounts
$0Trading account gains & fees
$53,168Additional noninterest income
$84,204Total noninterest expense
$23,741Salaries and employee benefits
$5,356Premises and equipment expense
$55,107Additional noninterest expense
$46,884Pre-tax net operating income
$18Securities gains (losses)
$16,406Applicable income taxes
$30,496Income before extraordinary items
$0Extraordinary gains - net
$30,496Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$3,016Sale, conversion, retirement of capital stock, net
$20,000Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.75%Yield on earning assets
2.90%Cost of funding earning assets
4.85%Net interest margin
4.64%Noninterest income to earning assets
5.85%Noninterest expense to earning assets
1.70%Net operating income to assets
1.70%Return on assets (ROA)
2.61%Pretax return on assets
23.57%Return on equity (ROE)
8.11%Retained earnings to average equity (YTD only)
0.32%Net charge-offs to loans
178.25%Credit loss provision to net charge-offs
17.33%Efficiency ratio
51,175Assets per employee
2.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.58%Loss allowance to loans
1.56%Loss allowance to noncurrent loans
182.87%Noncurrent assets plus other real estate owned to assets
0.54%Noncurrent loans to loans
0.86%Net loans and leases to deposits
63.71%Net loans and leases to core deposits
71.48%Equity capital to assets
7.37%Core capital (leverage) ratio
7.50%Tier 1 risk-based capital ratio
9.91%Total risk-based capital ratio
Memoranda
$11Average assets
$1,798,243Average earning assets
$129,386Average equity
$1,438,467Average loans

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

First Commercial Bank, National Association - Overview

Assets and Liabilities (December 31, 1997)

Income and Expense (December 31, 1997)

Performance and Condition Ratios (December 31, 1997)

Comment about this bank, ask questions, or add new information about it:

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

First Commercial Bank, National Association - Overview

Assets and Liabilities (December 31, 1997)

Income and Expense (December 31, 1997)

Performance and Condition Ratios (December 31, 1997)

Comment about this bank, ask questions, or add new information about it:

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