Bank of Little Rock in Little Rock, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Little Rock - Overview

  • General
  • FDIC Certificate #: 91280
    Status: Active
    Federal Reserve ID: 1397471
    Bank Holding Company (Regulatory Top Holder): Little Rock Bankshares, Inc. (RSSDID: 2617082, Location: Little Rock, AR)
    Date Established: October 21, 1927
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 18285
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 21, 1987
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 North State Street, Little Rock, AR 72201
    County: Pulaski
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $182.2 mil
    Equity capital: $17.2 mil
    Deposits held in domestic offices: $164.2 mil
    Return on assets (ROA): 0.37% ($0.7 mil)
    Quarterly return on assets: 0.15% ($0.3 mil)
    Return on Equity (ROE): 3.86% ($0.7 mil)
    Quarterly return on equity: 1.56% ($0.3 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.51% ($929.1 mil)
    Quarterly Pretax return on assets: 0.23% ($419.0 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, 2011)

  • Dollar figures in thousands
  • 72Total employees (full-time equivalent)
  • $182,179Total assets
  • $9,915Cash and due from depository institutions
  • $277Interest-bearing balances
  • $33,350Securities
  • $5,050Federal funds sold & reverse repurchase agreements
  • $117,363Net loans & leases
  • $2,320Loan loss allowance
  • $0Trading account assets
  • $6,236Bank premises and fixed assets
  • $4,637Other real estate owned
  • $152Goodwill and other intangibles
  • $182,179Life insurance assets
  • $5,476All other assets
  • $164,982Total liabilities and capital
  • $164,217Total liabilities
  • $138,925Total deposits
  • $164,217Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $765Subordinated debt
  • $17,197All other liabilities
  • $17,197Total equity capital
  • $17,197Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $3,500Surplus
  • $12,697Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $20,818Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,964Income earned, not collected on loans
  • $0Earning assets
  • $1,577Long-term assets (5+ years)
  • $156,040Average Assets, year-to-date
  • $41,299Average Assets, quarterly
  • $176,050Volatile liabilities
  • $179,351Insider loans
  • $129,952FHLB advances
  • $175,782Loans and leases held for sale
  • $454Unused loan commitments
  • $454Tier 1 (core) risk-based capital
  • $17,025Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,897Restructured Loans and leases
  • $881Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,628Total interest income
  • $2,134Total interest expense
  • $7,494Net interest income
  • $772Provision for loan and lease losses
  • $5,850Total noninterest income
  • $0Fiduciary activities
  • $517Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,333Additional noninterest income
  • $11,676Total noninterest expense
  • $5,379Salaries and employee benefits
  • $1,191Premises and equipment expense
  • $5,106Additional noninterest expense
  • $896Pre-tax net operating income
  • $0Securities gains (losses)
  • $245Applicable income taxes
  • $651Income before extraordinary items
  • $0Extraordinary gains - net
  • $651Net income attributable to bank
  • $0Net charge-offs
  • $651Cash dividends
  • $392Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.45%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 5.02%Net interest margin
  • 3.92%Noninterest income to earning assets
  • 7.82%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 3.86%Return on equity (ROE)
  • 3.86%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 196.94%Credit loss provision to net charge-offs
  • 4.26%Efficiency ratio
  • 87,500Assets per employee
  • 2.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 118.13%Noncurrent assets plus other real estate owned to assets
  • 3.62%Noncurrent loans to loans
  • 1.64%Net loans and leases to deposits
  • 71.47%Net loans and leases to core deposits
  • 76.10%Equity capital to assets
  • 9.44%Core capital (leverage) ratio
  • 9.69%Tier 1 risk-based capital ratio
  • 13.10%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $176,050Average earning assets
  • $16,853Average equity
  • $149,269Average loans

List of branches

  • 5 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    018285Bank Of Little Rock200 North State Street, Little Rock, AR 72201October 21, 1927Full Service Brick and Mortar
    1291724West Branch10901 Rodney Parham Road, Little Rock, AR 72211April 20, 1989Full Service Brick and Mortar
    2291725Heights Branch5120 Kavanaugh, Little Rock, AR 72207June 19, 1992Full Service Brick and Mortar
    4445257Cantrell Road Branch15901 Cantrell Road Branch, Little Rock, AR 72223August 17, 2005Full Service Brick and Mortar
    5461435Rahling Road Branch1201 Rahling Road, Little Rock, AR 72201December 12, 2006Full Service Brick and Mortar

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