FDIC Certificate #: 31357 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Union Bank of Benton (#17322) Federal Reserve ID: 978172 Date Established: January 01, 1962 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) OTS Docket #: 6802 FDIC's unique #: 44191 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) Insured commercial Banks: Yes FDIC Insured: Yes SAIF Insured: Yes State Chartered: Yes Date of Deposit Insurance: July 02, 1963 Last Structure Change Effective Date: November 15, 2000 Last Structure Change Process Date: November 21, 2000 Last Data Update: November 21, 2000 Data Source Date: April 05, 2012
Location
Address: 5619 Highway 5 North, Bryant, AR 72022 County: Saline 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 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: $79.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
31Total employees (full-time equivalent)
$81,861Total assets
$2,329Cash and due from depository institutions
$1,684Interest-bearing balances
$31,413Securities
$0Federal funds sold & reverse repurchase agreements
$44,992Net loans & leases
$380Loan loss allowance
$0Trading account assets
$2,071Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,056All other assets
$81,861Total liabilities and capital
$71,084Total liabilities
$68,453Total deposits
$65,431Interest-bearing deposits
$68,453Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,000Other borrowed funds
$0Subordinated debt
$631All other liabilities
$10,777Total equity capital
$10,777Total bank equity capital
$10,777Perpetual preferred stock
$0Common stock
$659Surplus
$659Undivided profits
Memoranda
$9,459Noncurrent loans and leases
$4,757Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,419Earning assets
$0Long-term assets (5+ years)
$289Average Assets, year-to-date
$78,089Average Assets, quarterly
$11,466Volatile liabilities
$89,188Insider loans
$83,074FHLB advances
$11,126Loans and leases held for sale
$1,438Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,757Total unused commitments
$0Restructured Loans and leases
$1,110Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$5,860Total interest income
$3,154Total interest expense
$2,706Net interest income
$147Provision for loan and lease losses
$475Total noninterest income
$0Fiduciary activities
$153Service charges on deposit accounts
$0Trading account gains & fees
$322Additional noninterest income
$1,957Total noninterest expense
$943Salaries and employee benefits
$424Premises and equipment expense
$590Additional noninterest expense
$1,077Pre-tax net operating income
-$89Securities gains (losses)
$215Applicable income taxes
$773Income before extraordinary items
$0Extraordinary gains - net
$773Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$104Sale, conversion, retirement of capital stock, net
$142Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.87%Yield on earning assets
3.70%Cost of funding earning assets
3.17%Net interest margin
0.56%Noninterest income to earning assets
2.29%Noninterest expense to earning assets
0.94%Net operating income to assets
0.87%Return on assets (ROA)
1.11%Pretax return on assets
7.95%Return on equity (ROE)
6.49%Retained earnings to average equity (YTD only)
0.23%Net charge-offs to loans
141.35%Credit loss provision to net charge-offs
11.77%Efficiency ratio
61,522Assets per employee
2.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
18.37%Loss allowance to loans
0.84%Loss allowance to noncurrent loans
26.78%Noncurrent assets plus other real estate owned to assets
1.73%Noncurrent loans to loans
3.13%Net loans and leases to deposits
65.73%Net loans and leases to core deposits
75.84%Equity capital to assets
13.16%Core capital (leverage) ratio
12.71%Tier 1 risk-based capital ratio
23.26%Total risk-based capital ratio
Memoranda
$26Average assets
$89,188Average earning assets
$9,727Average equity
$85,329Average loans
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