FDIC Certificate #: 3883 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank (#22391) Federal Reserve ID: 912242 Date Established: January 01, 1911 WWW:http://www.fnbmena.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 4 (Interstate: No) OTS Docket #: 9842 FDIC's unique #: 2532 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: January 01, 1934 Last Structure Change Effective Date: April 23, 2005 Last Structure Change Process Date: May 25, 2005 Last Data Update: May 25, 2005 Data Source Date: April 05, 2012
Location
Address: 600 Highway 71 South, Mena, AR 71953 County: Polk 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
Financial Summary
Total assets: $119.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
40Total employees (full-time equivalent)
$116,694Total assets
$2,571Cash and due from depository institutions
$20Interest-bearing balances
$33,242Securities
$725Federal funds sold & reverse repurchase agreements
$76,523Net loans & leases
$1,054Loan loss allowance
$0Trading account assets
$1,695Bank premises and fixed assets
$15Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,923All other assets
$116,694Total liabilities and capital
$101,229Total liabilities
$87,833Total deposits
$73,899Interest-bearing deposits
$87,833Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$12,853Other borrowed funds
$0Subordinated debt
$543All other liabilities
$15,465Total equity capital
$15,465Total bank equity capital
$15,465Perpetual preferred stock
$0Common stock
$170Surplus
$2,860Undivided profits
Memoranda
$12,435Noncurrent loans and leases
$8,939Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$104Earning assets
$0Long-term assets (5+ years)
$842Average Assets, year-to-date
$110,510Average Assets, quarterly
$17,406Volatile liabilities
$119,648Insider loans
$118,323FHLB advances
$13,119Loans and leases held for sale
$2,747Unused loan commitments
$12,853Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,939Total unused commitments
$0Restructured Loans and leases
$908Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$6,055Total interest income
$1,643Total interest expense
$4,412Net interest income
$120Provision for loan and lease losses
$731Total noninterest income
$0Fiduciary activities
$549Service charges on deposit accounts
$0Trading account gains & fees
$182Additional noninterest income
$2,714Total noninterest expense
$1,374Salaries and employee benefits
$387Premises and equipment expense
$953Additional noninterest expense
$2,309Pre-tax net operating income
$0Securities gains (losses)
$819Applicable income taxes
$1,490Income before extraordinary items
$0Extraordinary gains - net
$1,490Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$91Sale, conversion, retirement of capital stock, net
$1,075Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.36%Yield on earning assets
1.46%Cost of funding earning assets
3.91%Net interest margin
0.65%Noninterest income to earning assets
2.40%Noninterest expense to earning assets
1.25%Net operating income to assets
1.25%Return on assets (ROA)
1.93%Pretax return on assets
9.54%Return on equity (ROE)
2.66%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
131.87%Credit loss provision to net charge-offs
26.69%Efficiency ratio
52,771Assets per employee
2.92%Cash dividends to net income (YTD only)
Condition Ratios (%)
72.15%Loss allowance to loans
1.36%Loss allowance to noncurrent loans
1013.46%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.13%Net loans and leases to deposits
87.12%Net loans and leases to core deposits
100.01%Equity capital to assets
13.25%Core capital (leverage) ratio
12.92%Tier 1 risk-based capital ratio
21.28%Total risk-based capital ratio
Memoranda
$23Average assets
$119,648Average earning assets
$15,611Average equity
$112,887Average loans
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