FDIC Certificate #: 87 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Citizens National Bank of Hope (#3876) Federal Reserve ID: 294041 Date Established: January 01, 1911 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 67 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: April 08, 1999 Last Structure Change Process Date: April 22, 1999 Last Data Update: April 22, 1999 Data Source Date: April 05, 2012
Location
Address: Spruce Street, Lewisville, AR 71845 County: Lafayette 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: $35.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
11Total employees (full-time equivalent)
$35,231Total assets
$906Cash and due from depository institutions
$1Interest-bearing balances
$20,739Securities
$280Federal funds sold & reverse repurchase agreements
$11,622Net loans & leases
$383Loan loss allowance
$0Trading account assets
$611Bank premises and fixed assets
$0Other real estate owned
$491Goodwill and other intangibles
$0Life insurance assets
$582All other assets
$35,231Total liabilities and capital
$32,232Total liabilities
$32,010Total deposits
$27,438Interest-bearing deposits
$32,010Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$222All other liabilities
$2,999Total equity capital
$2,999Total bank equity capital
$2,999Perpetual preferred stock
$0Common stock
$100Surplus
$3,662Undivided profits
Memoranda
$-763Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$236Earning assets
$0Long-term assets (5+ years)
$145Average Assets, year-to-date
$32,642Average Assets, quarterly
$13,538Volatile liabilities
$32,224Insider loans
$33,679FHLB advances
$9,142Loans and leases held for sale
$83Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,165Total unused commitments
$0Restructured Loans and leases
$15,822Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$2,199Total interest income
$1,159Total interest expense
$1,040Net interest income
$0Provision for loan and lease losses
$134Total noninterest income
$0Fiduciary activities
$99Service charges on deposit accounts
$0Trading account gains & fees
$35Additional noninterest income
$595Total noninterest expense
$347Salaries and employee benefits
$68Premises and equipment expense
$180Additional noninterest expense
$579Pre-tax net operating income
$3Securities gains (losses)
$186Applicable income taxes
$396Income before extraordinary items
$0Extraordinary gains - net
$396Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$144Sale, conversion, retirement of capital stock, net
$1,022Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.46%Yield on earning assets
3.93%Cost of funding earning assets
3.53%Net interest margin
0.45%Noninterest income to earning assets
2.02%Noninterest expense to earning assets
1.22%Net operating income to assets
1.23%Return on assets (ROA)
1.81%Pretax return on assets
11.98%Return on equity (ROE)
-18.94%Retained earnings to average equity (YTD only)
-1.23%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
46,934Assets per employee
3.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
258.08%Loss allowance to loans
3.19%Loss allowance to noncurrent loans
162.29%Noncurrent assets plus other real estate owned to assets
0.67%Noncurrent loans to loans
1.97%Net loans and leases to deposits
36.31%Net loans and leases to core deposits
50.82%Equity capital to assets
8.51%Core capital (leverage) ratio
7.85%Tier 1 risk-based capital ratio
15.88%Total risk-based capital ratio
Memoranda
$17Average assets
$32,224Average earning assets
$3,304Average equity
$29,477Average loans
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