Arkansas County Bank in De Witt, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Arkansas County Bank - Overview

  • General
  • FDIC Certificate #: 3858
    Status: Active
    Federal Reserve ID: 705444
    Bank Holding Company (Regulatory Top Holder): Dewitt First Bankshares Corporation (RSSDID: 1099243, Location: Dewitt, AR)
    Date Established: April 12, 1912
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 9959
    FDIC's unique #: 2513
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 02, 2012
    Last Structure Change Process Date: March 02, 2012
    Last Data Update: March 02, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: Cross And Jefferson, De Witt, AR 72042
    County: Arkansas
    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
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $157.7 mil
    Equity capital: $16.6 mil
    Deposits held in domestic offices: $126.2 mil
    Return on assets (ROA): 1.50% ($2.4 mil)
    Quarterly return on assets: 1.26% ($2.0 mil)
    Return on Equity (ROE): 15.50% ($2.6 mil)
    Quarterly return on equity: 12.29% ($2.1 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.50% ($2,365.3 mil)
    Quarterly Pretax return on assets: 1.26% ($1,986.9 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
  • 58Total employees (full-time equivalent)
  • $157,687Total assets
  • $12,541Cash and due from depository institutions
  • $7,279Interest-bearing balances
  • $36,659Securities
  • $9,850Federal funds sold & reverse repurchase agreements
  • $91,228Net loans & leases
  • $892Loan loss allowance
  • $0Trading account assets
  • $4,819Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $157,687Life insurance assets
  • $2,590All other assets
  • $141,081Total liabilities and capital
  • $126,212Total liabilities
  • $102,487Total deposits
  • $126,212Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 7423.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,375Trading liabilities
  • $0Other borrowed funds
  • $71Subordinated debt
  • $16,606All other liabilities
  • $16,606Total equity capital
  • $16,606Total bank equity capital
  • $0Perpetual preferred stock
  • $20Common stock
  • $7,538Surplus
  • $9,048Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,005Income earned, not collected on loans
  • $0Earning assets
  • $1,612Long-term assets (5+ years)
  • $145,016Average Assets, year-to-date
  • $26,566Average Assets, quarterly
  • $155,469Volatile liabilities
  • $160,010Insider loans
  • $108,038FHLB advances
  • $158,658Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,543Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,517Restructured Loans and leases
  • $9,968Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,840Total interest income
  • $1,325Total interest expense
  • $6,515Net interest income
  • $390Provision for loan and lease losses
  • $440Total noninterest income
  • $28Fiduciary activities
  • $279Service charges on deposit accounts
  • $0Trading account gains & fees
  • $133Additional noninterest income
  • $4,242Total noninterest expense
  • $2,547Salaries and employee benefits
  • $484Premises and equipment expense
  • $1,211Additional noninterest expense
  • $2,323Pre-tax net operating income
  • $16Securities gains (losses)
  • $0Applicable income taxes
  • $2,339Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,339Net income attributable to bank
  • $0Net charge-offs
  • $2,339Cash dividends
  • $202Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.44%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 4.52%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • 1.49%Net operating income to assets
  • 1.50%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 15.50%Return on equity (ROE)
  • 15.50%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 193.07%Credit loss provision to net charge-offs
  • 13.43%Efficiency ratio
  • 60,992Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 88.76%Noncurrent assets plus other real estate owned to assets
  • 0.64%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 72.28%Net loans and leases to core deposits
  • 80.34%Equity capital to assets
  • 10.53%Core capital (leverage) ratio
  • 9.80%Tier 1 risk-based capital ratio
  • 14.39%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $155,469Average earning assets
  • $15,093Average equity
  • $144,009Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $22,342Managed Assets
  • 1Number of Accounts
  • $22,203Personal trust and agency accounts
  • $6,114Employee benefit-defined contribution accounts
  • $677Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $15,412Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 29Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $139Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $139Fiduciary accounts held in foreign offices

List of branches

  • 3 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02513Arkansas County BankCross And Jefferson, De Witt, AR 72042April 12, 1912Full Service Brick and Mortar
    1364901Lockesburg BranchMain And Redbud Streets, Lockesburg, AR 71846October 01, 2002Full Service Brick and Mortar
    232629Arkansas County Bank600 East 22nd Street, Stuttgart, AR 72160May 31, 1985Full Service Brick and Mortar

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