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

This bank is inactive as of January 03, 2007

First National Bank of Stuttgart in Stuttgart, Arkansas (AR)
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First National Bank of Stuttgart - Overview

General
FDIC Certificate #: 26268
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Arkansas County Bank (#3858)
Federal Reserve ID: 3120039
Date Established: May 31, 1985
WWW: http://www.fnbstuttgart.com
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 32629
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: No
Date of Deposit Insurance: May 31, 1985
Last Structure Change Effective Date: January 03, 2007
Last Structure Change Process Date: Febuary 09, 2007
Last Data Update: Febuary 09, 2007
Data Source Date: April 05, 2012
Location
Address: 600 East 22nd Street, Stuttgart, AR 72160
County: Arkansas
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Shreveport
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $44.9 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, 2006)

Dollar figures in thousands
21Total employees (full-time equivalent)
$44,932Total assets
$2,093Cash and due from depository institutions
$332Interest-bearing balances
$10,558Securities
$0Federal funds sold & reverse repurchase agreements
$26,463Net loans & leases
$204Loan loss allowance
$0Trading account assets
$4,770Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,048All other assets
$44,933Total liabilities and capital
$40,102Total liabilities
$26,849Total deposits
$22,157Interest-bearing deposits
$26,849Deposits held in domestic offices
0.00%% insured (estimated)
$8,903Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,281Other borrowed funds
$0Subordinated debt
$69All other liabilities
$4,831Total equity capital
$4,831Total bank equity capital
$4,831Perpetual preferred stock
$0Common stock
$2Surplus
$6,556Undivided profits
Memoranda
$-1,727Noncurrent loans and leases
$2,929Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$242Earning assets
$0Long-term assets (5+ years)
$563Average Assets, year-to-date
$37,353Average Assets, quarterly
$8,576Volatile liabilities
$45,940Insider loans
$47,137FHLB advances
$18,093Loans and leases held for sale
$655Unused loan commitments
$4,281Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,929Total unused commitments
$0Restructured Loans and leases
$204Derivatives

Income and Expense (December 31, 2006)

Dollar figures in thousands
$2,686Total interest income
$1,465Total interest expense
$1,221Net interest income
$12Provision for loan and lease losses
$201Total noninterest income
$0Fiduciary activities
$176Service charges on deposit accounts
$0Trading account gains & fees
$25Additional noninterest income
$1,446Total noninterest expense
$687Salaries and employee benefits
$352Premises and equipment expense
$407Additional noninterest expense
-$36Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$36Income before extraordinary items
$0Extraordinary gains - net
-$36Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$68Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2006)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.96%Yield on earning assets
3.80%Cost of funding earning assets
3.16%Net interest margin
0.52%Noninterest income to earning assets
3.75%Noninterest expense to earning assets
-0.08%Net operating income to assets
-0.08%Return on assets (ROA)
-0.08%Pretax return on assets
-0.76%Return on equity (ROE)
-0.76%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
17.65%Credit loss provision to net charge-offs
-0.35%Efficiency ratio
101,688Assets per employee
2.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.76%Loss allowance to noncurrent loans
84.30%Noncurrent assets plus other real estate owned to assets
0.54%Noncurrent loans to loans
0.91%Net loans and leases to deposits
98.56%Net loans and leases to core deposits
149.86%Equity capital to assets
10.75%Core capital (leverage) ratio
10.74%Tier 1 risk-based capital ratio
16.32%Total risk-based capital ratio
Memoranda
$17Average assets
$45,940Average earning assets
$4,739Average equity
$38,579Average loans

Total Fiduciary and Related Assets (December 31, 2006)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$280Managed Assets
1Number of Accounts
$280Personal trust and agency accounts
$280Employee benefit-defined contribution accounts
$0Employee 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
2Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

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