Bank of Evening Shade in Mountain Home, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 10, 2003

  • Bank of Evening Shade in Mountain Home, Arkansas (AR)
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Bank of Evening Shade - Overview

  • General
  • FDIC Certificate #: 1751
    Status: Inactive
    Closing history: Change in Location
    Acquiring institution: Community First Banking Company (#34610)
    Federal Reserve ID: 392844
    Date Established: Febuary 06, 1901
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 1163
    Numeric code: 21
    Regulator: FDIC
    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: March 10, 2003
    Last Structure Change Process Date: April 17, 2003
    Last Data Update: April 17, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 904 South Main Street, Mountain Home, AR 72653
    County: Sharp
    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
  • Merger - Without Assistance
    Office Sold
    Change in Location
  • Financial Summary
  • Total assets: $17.0 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, 2002)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $16,975Total assets
  • $1,041Cash and due from depository institutions
  • $100Interest-bearing balances
  • $4,610Securities
  • $375Federal funds sold & reverse repurchase agreements
  • $10,179Net loans & leases
  • $149Loan loss allowance
  • $0Trading account assets
  • $42Bank premises and fixed assets
  • $52Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $676All other assets
  • $16,975Total liabilities and capital
  • $15,658Total liabilities
  • $15,503Total deposits
  • $14,525Interest-bearing deposits
  • $15,503Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $155All other liabilities
  • $1,317Total equity capital
  • $1,317Total bank equity capital
  • $1,317Perpetual preferred stock
  • $0Common stock
  • $155Surplus
  • $473Undivided profits
  • Memoranda
  • $689Noncurrent loans and leases
  • $212Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $242Earning assets
  • $0Long-term assets (5+ years)
  • $160Average Assets, year-to-date
  • $15,264Average Assets, quarterly
  • $3,314Volatile liabilities
  • $15,160Insider loans
  • $16,488FHLB advances
  • $4,044Loans and leases held for sale
  • $87Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $212Total unused commitments
  • $0Restructured Loans and leases
  • $115Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $976Total interest income
  • $364Total interest expense
  • $612Net interest income
  • $116Provision for loan and lease losses
  • $216Total noninterest income
  • $0Fiduciary activities
  • $79Service charges on deposit accounts
  • $0Trading account gains & fees
  • $137Additional noninterest income
  • $584Total noninterest expense
  • $273Salaries and employee benefits
  • $62Premises and equipment expense
  • $249Additional noninterest expense
  • $128Pre-tax net operating income
  • $0Securities gains (losses)
  • $61Applicable income taxes
  • $67Income before extraordinary items
  • $0Extraordinary gains - net
  • $67Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $11Sale, conversion, retirement of capital stock, net
  • $70Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.20%Yield on earning assets
  • 2.68%Cost of funding earning assets
  • 4.51%Net interest margin
  • 1.59%Noninterest income to earning assets
  • 4.31%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 5.16%Return on equity (ROE)
  • -0.23%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 1054.55%Credit loss provision to net charge-offs
  • 22.18%Efficiency ratio
  • 70,531Assets per employee
  • 2.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 104.48%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 61.57%Noncurrent assets plus other real estate owned to assets
  • 1.73%Noncurrent loans to loans
  • 2.34%Net loans and leases to deposits
  • 65.66%Net loans and leases to core deposits
  • 88.83%Equity capital to assets
  • 7.76%Core capital (leverage) ratio
  • 7.75%Tier 1 risk-based capital ratio
  • 13.81%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $15,160Average earning assets
  • $1,298Average equity
  • $13,559Average loans

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