FDIC Certificate #: 3856 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Regions Bank (#12368) Federal Reserve ID: 510246 Date Established: January 01, 1933 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 7 (Interstate: No) OTS Docket #: 14114 FDIC's unique #: 2511 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes Oakar Institutions: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 09, 1998 Last Structure Change Process Date: November 05, 1998 Last Data Update: November 05, 1998 Data Source Date: April 05, 2012
Location
Address: 1 National Plaza, Main Street, Conway, AR 72032 County: Faulkner Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Atlanta FDIC Field Office: Little Rock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Little Rock-North Little Rock, AR (#4400) Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340) Core Based Statistical Area (CBSA): Little Rock-North Little Rock-Conway, AR (#30780) CBSA Metro Statistical Area: Little Rock-North Little Rock-Conway, AR (#30780)
Financial Summary
Total assets: $367.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
108Total employees (full-time equivalent)
$326,798Total assets
$12,879Cash and due from depository institutions
$10Interest-bearing balances
$70,111Securities
$18,700Federal funds sold & reverse repurchase agreements
$217,905Net loans & leases
$3,015Loan loss allowance
$0Trading account assets
$3,406Bank premises and fixed assets
$124Other real estate owned
$90Goodwill and other intangibles
$0Life insurance assets
$3,583All other assets
$326,798Total liabilities and capital
$303,354Total liabilities
$301,296Total deposits
$254,757Interest-bearing deposits
$301,296Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$2,058All other liabilities
$23,444Total equity capital
$23,444Total bank equity capital
$23,444Perpetual preferred stock
$0Common stock
$105Surplus
$4,634Undivided profits
Memoranda
$18,705Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$849Earning assets
$0Long-term assets (5+ years)
$1,568Average Assets, year-to-date
$306,726Average Assets, quarterly
$41,915Volatile liabilities
$301,695Insider loans
$314,318FHLB advances
$55,343Loans and leases held for sale
$1,881Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$26,262Total unused commitments
$0Restructured Loans and leases
$210,781Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$23,216Total interest income
$9,814Total interest expense
$13,402Net interest income
$580Provision for loan and lease losses
$2,499Total noninterest income
$94Fiduciary activities
$1,648Service charges on deposit accounts
$0Trading account gains & fees
$757Additional noninterest income
$7,035Total noninterest expense
$3,718Salaries and employee benefits
$823Premises and equipment expense
$2,494Additional noninterest expense
$8,286Pre-tax net operating income
$2Securities gains (losses)
$2,681Applicable income taxes
$5,607Income before extraordinary items
$0Extraordinary gains - net
$5,607Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$233Sale, conversion, retirement of capital stock, net
$3,100Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.24%Yield on earning assets
3.48%Cost of funding earning assets
4.75%Net interest margin
0.89%Noninterest income to earning assets
2.50%Noninterest expense to earning assets
1.86%Net operating income to assets
1.86%Return on assets (ROA)
2.75%Pretax return on assets
25.76%Return on equity (ROE)
11.52%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
248.93%Credit loss provision to net charge-offs
38.05%Efficiency ratio
44,167Assets per employee
3.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.29%Loss allowance to loans
1.36%Loss allowance to noncurrent loans
355.12%Noncurrent assets plus other real estate owned to assets
0.30%Noncurrent loans to loans
0.38%Net loans and leases to deposits
72.32%Net loans and leases to core deposits
88.60%Equity capital to assets
7.17%Core capital (leverage) ratio
7.82%Tier 1 risk-based capital ratio
11.02%Total risk-based capital ratio
Memoranda
$12Average assets
$301,695Average earning assets
$21,765Average equity
$281,913Average loans
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