First National Bank of North Arkansas in city_name, state_name

First National Bank of North Arkansas in Berryville, Arkansas (AR)
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First National Bank of North Arkansas routing number info

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First National Bank of North Arkansas - Overview

General
FDIC Certificate #: 3854
Status: Active
Federal Reserve ID: 864846
Bank Holding Company (Regulatory Top Holder): First National Bank Of Berryville Employee Stock Ownership Trust (RSSDID: 2027412, Location: Berryville, AR)
Date Established: Febuary 18, 1889
WWW: http://www.fnbna.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 10 (Domestic: 9, Interstate: No)
OTS Docket #: 11374
FDIC's unique #: 2509
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 06, 2012
Last Structure Change Process Date: March 26, 2012
Last Data Update: March 26, 2012
Data Source Date: April 05, 2012
Location
Address: 305-307 Public Square, Berryville, AR 72616
County: Carroll
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
History of Changes
Office Purchased
Financial Summary
Total assets: $154.6 mil
Equity capital: $18.7 mil
Deposits held in domestic offices: $127.4 mil
Return on assets (ROA): 1.27% ($2.0 mil)
Quarterly return on assets: 0.65% ($1.0 mil)
Return on Equity (ROE): 9.45% ($1.8 mil)
Quarterly return on equity: 5.03% ($1.0 mil)
Net income: $1.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.27% ($1,963.8 mil)
Quarterly Pretax return on assets: 0.65% ($1,005.1 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
83Total employees (full-time equivalent)
$154,626Total assets
$5,498Cash and due from depository institutions
$482Interest-bearing balances
$4,901Securities
$7,150Federal funds sold & reverse repurchase agreements
$128,338Net loans & leases
$1,276Loan loss allowance
$0Trading account assets
$4,598Bank premises and fixed assets
$864Other real estate owned
$275Goodwill and other intangibles
$154,626Life insurance assets
$3,002All other assets
$135,941Total liabilities and capital
$127,417Total liabilities
$108,090Total deposits
$127,417Interest-bearing deposits
$86Deposits held in domestic offices
3786.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,177Trading liabilities
$0Other borrowed funds
$561Subordinated debt
$18,685All other liabilities
$18,685Total equity capital
$18,685Total bank equity capital
$0Perpetual preferred stock
$570Common stock
$1,090Surplus
$17,025Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,434Income earned, not collected on loans
$0Earning assets
$1,237Long-term assets (5+ years)
$140,871Average Assets, year-to-date
$21,856Average Assets, quarterly
$140,864Volatile liabilities
$147,836Insider loans
$113,987FHLB advances
$146,230Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$18,410Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,758Restructured Loans and leases
$4,004Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,036Total interest income
$910Total interest expense
$7,126Net interest income
$400Provision for loan and lease losses
$1,205Total noninterest income
$97Fiduciary activities
$656Service charges on deposit accounts
$0Trading account gains & fees
$452Additional noninterest income
$6,137Total noninterest expense
$3,605Salaries and employee benefits
$702Premises and equipment expense
$1,830Additional noninterest expense
$1,794Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,794Income before extraordinary items
$0Extraordinary gains - net
$1,794Net income attributable to bank
$0Net charge-offs
$1,794Cash dividends
$220Sale, conversion, retirement of capital stock, net
$1,641Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.22%Yield on earning assets
0.70%Cost of funding earning assets
5.52%Net interest margin
0.93%Noninterest income to earning assets
4.75%Noninterest expense to earning assets
1.27%Net operating income to assets
1.27%Return on assets (ROA)
1.27%Pretax return on assets
9.45%Return on equity (ROE)
0.81%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
181.82%Credit loss provision to net charge-offs
9.97%Efficiency ratio
73,653Assets per employee
1.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
91.47%Loss allowance to loans
0.98%Loss allowance to noncurrent loans
52.42%Noncurrent assets plus other real estate owned to assets
2.13%Noncurrent loans to loans
1.88%Net loans and leases to deposits
100.72%Net loans and leases to core deposits
108.47%Equity capital to assets
12.08%Core capital (leverage) ratio
12.59%Tier 1 risk-based capital ratio
16.15%Total risk-based capital ratio
Memoranda
$17Average assets
$140,864Average earning assets
$18,984Average equity
$129,176Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$38,327Managed Assets
1Number of Accounts
$29,078Personal trust and agency accounts
$16,026Employee benefit-defined contribution accounts
$13,052Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
76Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$9,249Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$9,249Fiduciary accounts held in foreign offices

List of branches

10 Arkansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2509	First National Bank Of North Arkansa	305-307 Public Square, Berryville, AR 72616	Febuary 18, 1889	Full Service Brick and Mortar
1	201994	Carroll Center Branch	910 West Trimble Suite 1, Berryville, AR 72616	July 09, 1986	Limited Service Trust
2	201995	Eureka Springs Office	149 Huntsville Rd, Eureka Springs, AR 72632	April 30, 1990	Full Service Brick and Mortar
3	201996	Green Forest Branch	604 West Main, Green Forest, AR 72638	December 18, 1991	Full Service Brick and Mortar
4	201997	Holiday Island Branch	5 Forrest Park Avenue, Holiday Island, AR 72631	March 05, 1996	Full Service Brick and Mortar
5	201998	West 62 Branch	1004 West Trimble, Berryville, AR 72616	June 13, 1996	Full Service Brick and Mortar
6	419214	Huntsville Branch	403 West Main Street, Huntsville, AR 72740	May 19, 2003	Full Service Brick and Mortar
7	467618	Harrison Branch	204 East Rush, Harrison, AR 72601	July 09, 2007	Full Service Brick and Mortar
8	242827	Marshall Branch	201 Hwy 27 S, Marshall, AR 72650	March 29, 1999	Full Service Brick and Mortar
9	359434	Pangburn Community Bank Branch	502 Main Street, Pangburn, AR 72121	Febuary 07, 2001	Full Service Brick and Mortar

First National Bank of North Arkansas in Berryville, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of North Arkansas - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First National Bank of North Arkansas in Berryville, Arkansas (AR)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of North Arkansas - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First National Bank of North Arkansas in Berryville, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches