First State Bank of Northwest Arkansas in city_name, state_name

First State Bank of Northwest Arkansas in Huntsville, Arkansas (AR)
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First State Bank of Northwest Arkansas routing number info

First State Bank of Northwest Arkansas - Overview

General
FDIC Certificate #: 33470
Status: Active
Federal Reserve ID: 1879016
Bank Holding Company (Regulatory Top Holder): Mathias Bancshares, Inc. (RSSDID: 1951172, Location: Springdale, AR)
Date Established: July 26, 1991
WWW: http://www.fsbnwa.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 47176
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: July 26, 1991
Last Structure Change Effective Date: June 30, 2008
Last Structure Change Process Date: August 05, 2008
Last Data Update: August 05, 2008
Data Source Date: April 05, 2012
Location
Address: 432 Madison 1650, Huntsville, AR 72740
County: Madison
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
Core Based Statistical Area (CBSA): Fayetteville-Springdale-Rogers, AR-MO (#22220)
CBSA Metro Statistical Area: Fayetteville-Springdale-Rogers, AR-MO (#22220)
History of Changes
Change in Location
Financial Summary
Total assets: $83.1 mil
Equity capital: $11.4 mil
Deposits held in domestic offices: $64.5 mil
Return on assets (ROA): 1.08% ($0.9 mil)
Quarterly return on assets: -0.17% (-$0.1 mil)
Return on Equity (ROE): 7.73% ($0.9 mil)
Quarterly return on equity: -1.21% (-$0.1 mil)
Net income: $0.9 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 1.08% ($897.3 mil)
Quarterly Pretax return on assets: -0.17% (-$141.2 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
28Total employees (full-time equivalent)
$83,081Total assets
$3,568Cash and due from depository institutions
$1,232Interest-bearing balances
$12,901Securities
$5,875Federal funds sold & reverse repurchase agreements
$45,172Net loans & leases
$1,190Loan loss allowance
$0Trading account assets
$3,317Bank premises and fixed assets
$4,353Other real estate owned
$0Goodwill and other intangibles
$83,081Life insurance assets
$7,895All other assets
$71,668Total liabilities and capital
$64,496Total liabilities
$60,799Total deposits
$64,496Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,390Trading liabilities
$0Other borrowed funds
$782Subordinated debt
$11,413All other liabilities
$11,413Total equity capital
$11,413Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$5,374Surplus
$6,039Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,160Income earned, not collected on loans
$0Earning assets
$319Long-term assets (5+ years)
$65,180Average Assets, year-to-date
$11,132Average Assets, quarterly
$80,710Volatile liabilities
$81,947Insider loans
$59,920FHLB advances
$81,944Loans and leases held for sale
$1,726Unused loan commitments
$1,726Tier 1 (core) risk-based capital
$11,297Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,597Restructured Loans and leases
$2,469Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,629Total interest income
$1,017Total interest expense
$2,612Net interest income
$532Provision for loan and lease losses
$2,060Total noninterest income
$0Fiduciary activities
$135Service charges on deposit accounts
$0Trading account gains & fees
$1,925Additional noninterest income
$3,132Total noninterest expense
$1,553Salaries and employee benefits
$490Premises and equipment expense
$1,089Additional noninterest expense
$1,008Pre-tax net operating income
-$137Securities gains (losses)
$0Applicable income taxes
$871Income before extraordinary items
$0Extraordinary gains - net
$871Net income attributable to bank
$0Net charge-offs
$871Cash dividends
$730Sale, conversion, retirement of capital stock, net
$395Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.53%Yield on earning assets
1.55%Cost of funding earning assets
3.98%Net interest margin
3.14%Noninterest income to earning assets
4.78%Noninterest expense to earning assets
1.25%Net operating income to assets
1.08%Return on assets (ROA)
1.08%Pretax return on assets
7.73%Return on equity (ROE)
4.23%Retained earnings to average equity (YTD only)
1.57%Net charge-offs to loans
72.88%Credit loss provision to net charge-offs
2.11%Efficiency ratio
67,038Assets per employee
2.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
45.35%Loss allowance to loans
2.57%Loss allowance to noncurrent loans
102.59%Noncurrent assets plus other real estate owned to assets
7.40%Noncurrent loans to loans
2.50%Net loans and leases to deposits
70.04%Net loans and leases to core deposits
72.57%Equity capital to assets
13.74%Core capital (leverage) ratio
13.79%Tier 1 risk-based capital ratio
18.85%Total risk-based capital ratio
Memoranda
$20Average assets
$80,710Average earning assets
$11,265Average equity
$65,565Average loans

List of branches

3 Arkansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	47176	First State Bank Of Northwest Arkans	432 Madison 1650, Huntsville, AR 72740	July 26, 1991	Full Service Brick and Mortar
4	433026	Fayetteville Branch	300 North College Avenue, Fayetteville, AR 72701	October 18, 2004	Full Service Brick and Mortar
6	516281	West Main Street Branch	312 West Main Street, Huntsville, AR 72740	January 31, 2011	Full Service Brick and Mortar

First State Bank of Northwest Arkansas in Huntsville, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of Northwest Arkansas - 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 State Bank of Northwest Arkansas in Huntsville, Arkansas (AR)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of Northwest Arkansas - 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 State Bank of Northwest Arkansas in Huntsville, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches