Arkansas Bank and Trust Company in Hot Springs, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 22, 1998

  • Arkansas Bank and Trust Company in Hot Springs, Arkansas (AR)
  • Show street view No street view available for this location

Arkansas Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 97
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 339540
    Date Established: January 01, 1907
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 10 (Interstate: No)
    OTS Docket #: 14576
    FDIC's unique #: 77
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 22, 1998
    Last Structure Change Process Date: November 10, 1998
    Last Data Update: November 10, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 835 Central Avenue, Hot Springs, AR 71901
    County: Garland
    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
    Core Based Statistical Area (CBSA): Hot Springs, AR (#26300)
    CBSA Metro Statistical Area: Hot Springs, AR (#26300)
  • Financial Summary
  • Total assets: $446.4 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
  • 156Total employees (full-time equivalent)
  • $437,773Total assets
  • $13,757Cash and due from depository institutions
  • $0Interest-bearing balances
  • $60,751Securities
  • $5,000Federal funds sold & reverse repurchase agreements
  • $343,278Net loans & leases
  • $5,951Loan loss allowance
  • $0Trading account assets
  • $8,250Bank premises and fixed assets
  • $146Other real estate owned
  • $356Goodwill and other intangibles
  • $0Life insurance assets
  • $6,235All other assets
  • $437,773Total liabilities and capital
  • $405,388Total liabilities
  • $401,542Total deposits
  • $323,625Interest-bearing deposits
  • $401,542Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $3,846All other liabilities
  • $32,385Total equity capital
  • $32,385Total bank equity capital
  • $32,385Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $15,742Undivided profits
  • Memoranda
  • $16,543Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,180Earning assets
  • $0Long-term assets (5+ years)
  • $1,986Average Assets, year-to-date
  • $409,029Average Assets, quarterly
  • $77,611Volatile liabilities
  • $423,079Insider loans
  • $434,379FHLB advances
  • $34,608Loans and leases held for sale
  • $6,052Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $35,080Total unused commitments
  • $0Restructured Loans and leases
  • $289,299Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $32,158Total interest income
  • $12,010Total interest expense
  • $20,148Net interest income
  • $200Provision for loan and lease losses
  • $3,736Total noninterest income
  • $560Fiduciary activities
  • $1,394Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,782Additional noninterest income
  • $11,683Total noninterest expense
  • $5,277Salaries and employee benefits
  • $1,866Premises and equipment expense
  • $4,540Additional noninterest expense
  • $12,001Pre-tax net operating income
  • $1Securities gains (losses)
  • $4,432Applicable income taxes
  • $7,570Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,570Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $275Sale, conversion, retirement of capital stock, net
  • $6,400Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.18%Yield on earning assets
  • 3.05%Cost of funding earning assets
  • 5.12%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 1.79%Net operating income to assets
  • 1.79%Return on assets (ROA)
  • 2.84%Pretax return on assets
  • 24.45%Return on equity (ROE)
  • 3.78%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 72.73%Credit loss provision to net charge-offs
  • 44.37%Efficiency ratio
  • 48,501Assets per employee
  • 2.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.54%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 504.32%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 85.49%Net loans and leases to core deposits
  • 93.55%Equity capital to assets
  • 7.40%Core capital (leverage) ratio
  • 7.25%Tier 1 risk-based capital ratio
  • 11.02%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $423,079Average earning assets
  • $30,956Average equity
  • $393,264Average loans

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


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Arkansas Bank and Trust Company.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents