First National Banking Company in city_name, state_name - Detailed Financial Reports, Location

First National Banking Company in Ash Flat, Arkansas (AR)
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First National Banking Company - Overview

General
FDIC Certificate #: 1294
Status: Active
Federal Reserve ID: 100843
Bank Holding Company (Regulatory Top Holder): Fnbc Bancorp Inc (RSSDID: 1099690, Location: Ash Flat, AR)
Date Established: January 01, 1912
WWW: http://www.fnbc.us
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 15 (Domestic: 15, Interstate: No)
OTS Docket #: 10113
FDIC's unique #: 869
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 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 636 Ash Flat Drive, Ash Flat, AR 72513
County: Sharp
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
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $359.8 mil
Equity capital: $35.1 mil
Deposits held in domestic offices: $292.3 mil
Return on assets (ROA): 0.83% ($3.0 mil)
Quarterly return on assets: 0.99% ($3.6 mil)
Return on Equity (ROE): 8.39% ($2.9 mil)
Quarterly return on equity: 9.80% ($3.4 mil)
Net income: $3.0 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 0.83% ($2,986.4 mil)
Quarterly Pretax return on assets: 0.99% ($3,562.0 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, 2011)

Dollar figures in thousands
115Total employees (full-time equivalent)
$359,802Total assets
$10,232Cash and due from depository institutions
$2,964Interest-bearing balances
$103,171Securities
$0Federal funds sold & reverse repurchase agreements
$219,398Net loans & leases
$3,809Loan loss allowance
$0Trading account assets
$13,728Bank premises and fixed assets
$921Other real estate owned
$1Goodwill and other intangibles
$359,802Life insurance assets
$12,351All other assets
$324,681Total liabilities and capital
$292,296Total liabilities
$250,758Total deposits
$292,296Interest-bearing deposits
$92Deposits held in domestic offices
2345.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$28,000Trading liabilities
$0Other borrowed funds
$2,040Subordinated debt
$35,121All other liabilities
$35,121Total equity capital
$35,121Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$17,900Surplus
$17,121Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,783Income earned, not collected on loans
$577Earning assets
$2,192Long-term assets (5+ years)
$325,533Average Assets, year-to-date
$120,954Average Assets, quarterly
$362,832Volatile liabilities
$361,929Insider loans
$252,744FHLB advances
$361,555Loans and leases held for sale
$4,198Unused loan commitments
$4,198Tier 1 (core) risk-based capital
$35,920Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$18,533Restructured Loans and leases
$539Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$19,751Total interest income
$3,742Total interest expense
$16,009Net interest income
$1,818Provision for loan and lease losses
$3,057Total noninterest income
$0Fiduciary activities
$1,660Service charges on deposit accounts
$0Trading account gains & fees
$1,397Additional noninterest income
$13,374Total noninterest expense
$6,192Salaries and employee benefits
$3,069Premises and equipment expense
$4,113Additional noninterest expense
$3,874Pre-tax net operating income
-$859Securities gains (losses)
$10Applicable income taxes
$3,005Income before extraordinary items
$0Extraordinary gains - net
$3,005Net income attributable to bank
$0Net charge-offs
$3,005Cash dividends
$1,717Sale, conversion, retirement of capital stock, net
$4,781Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.05%Yield on earning assets
1.15%Cost of funding earning assets
4.91%Net interest margin
0.94%Noninterest income to earning assets
4.10%Noninterest expense to earning assets
1.06%Net operating income to assets
0.83%Return on assets (ROA)
0.83%Pretax return on assets
8.39%Return on equity (ROE)
-4.96%Retained earnings to average equity (YTD only)
0.74%Net charge-offs to loans
105.88%Credit loss provision to net charge-offs
3.32%Efficiency ratio
70,125Assets per employee
3.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
159.10%Loss allowance to loans
1.71%Loss allowance to noncurrent loans
56.16%Noncurrent assets plus other real estate owned to assets
2.14%Noncurrent loans to loans
3.04%Net loans and leases to deposits
75.06%Net loans and leases to core deposits
78.44%Equity capital to assets
9.76%Core capital (leverage) ratio
9.93%Tier 1 risk-based capital ratio
14.21%Total risk-based capital ratio
Memoranda
$15Average assets
$362,832Average earning assets
$35,809Average equity
$326,282Average loans

List of branches

15 Arkansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	869	First National Banking Company	636 Ash Flat Drive, Ash Flat, AR 72513	January 01, 1912	Full Service Brick and Mortar
1	189278	Cherokee Village Branch	1 Santee Drive, Hardy, AR 72542	June 06, 1974	Full Service Brick and Mortar
2	189279	Hardy Branch	500 Main Street, Hardy, AR 72542	January 08, 1990	Full Service Brick and Mortar
3	288205	Melbourne Branch	500 East Main, Melbourne, AR 72556	December 05, 1986	Full Service Brick and Mortar
4	283512	Hwy 62 And Hwy 9 Branch	Highway 62 And Highway 9, Salem, AR 72576	January 01, 1958	Full Service Brick and Mortar
5	189280	Wal-Mart Supercenter Branch	219 Highway 62-412, Ash Flat, AR 72513	November 23, 1999	Full Service Retail
6	361327	Www.Fnbc.us Branch	Highway 167, Ash Flat, AR 72513	October 09, 2000	Full Service Cyber
7	422957	Mammoth Spring Branch	358 Highway 63 South, Mammoth Spring, AR 72554	July 30, 2003	Full Service Brick and Mortar
8	444511	Batesville Branch	1388 Harrison Street, Batesville, AR 72501	July 27, 2005	Full Service Brick and Mortar
9	444948	Messenger Service Branch	636 Ash Flat Drive, Ash Flat, AR 72513	September 02, 2005	Limited Service Messenger
10	445422	Highland Branch	1476 Highway 62/412, Highland, AR 72542	September 30, 2005	Full Service Brick and Mortar
11	446899	Horseshoe Bend Branch	405 Market Street, Horseshoe Bend, AR 72512	November 16, 2005	Full Service Brick and Mortar
12	447290	Mountain Home Branch	102 South Main Street, Mountain Home, AR 72653	December 21, 2005	Full Service Brick and Mortar
13	447974	Mobile Branch #1	636 Ash Flat Drive, Ash Flat, AR 72513	January 12, 2006	Limited Service Mobile
14	447975	Mobile Branch #2	636 Ash Flat Drive, Ash Flat, AR 72513	January 12, 2006	Limited Service Mobile

First National Banking Company in Ash Flat, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Banking Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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First National Banking Company in Ash Flat, Arkansas (AR)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Banking Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First National Banking Company in Ash Flat, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches