Benton State Bank in Benton, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 22, 1998

  • Benton State Bank in Benton, Arkansas (AR)
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Benton State Bank - Overview

  • General
  • FDIC Certificate #: 13934
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 920742
    Date Established: March 03, 1934
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Interstate: No)
    FDIC's unique #: 8718
    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: March 19, 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: 146 West South Street, Benton, AR 72015
    County: Saline
    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
    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: $226.0 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
  • 93Total employees (full-time equivalent)
  • $222,070Total assets
  • $15,968Cash and due from depository institutions
  • $11Interest-bearing balances
  • $48,668Securities
  • $4,300Federal funds sold & reverse repurchase agreements
  • $148,392Net loans & leases
  • $1,869Loan loss allowance
  • $0Trading account assets
  • $2,479Bank premises and fixed assets
  • $24Other real estate owned
  • $84Goodwill and other intangibles
  • $0Life insurance assets
  • $2,155All other assets
  • $222,070Total liabilities and capital
  • $205,538Total liabilities
  • $204,446Total deposits
  • $163,026Interest-bearing deposits
  • $204,446Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $287Other borrowed funds
  • $0Subordinated debt
  • $805All other liabilities
  • $16,532Total equity capital
  • $16,532Total bank equity capital
  • $16,532Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $2,045Undivided profits
  • Memoranda
  • $14,387Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,008Earning assets
  • $144Long-term assets (5+ years)
  • $761Average Assets, year-to-date
  • $201,371Average Assets, quarterly
  • $10,778Volatile liabilities
  • $218,048Insider loans
  • $220,220FHLB advances
  • $12,383Loans and leases held for sale
  • $1,385Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,467Total risk weighted assets
  • $12,653Total unused commitments
  • $0Restructured Loans and leases
  • $146,644Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $16,982Total interest income
  • $6,053Total interest expense
  • $10,929Net interest income
  • $582Provision for loan and lease losses
  • $1,892Total noninterest income
  • $11Fiduciary activities
  • $1,399Service charges on deposit accounts
  • $0Trading account gains & fees
  • $482Additional noninterest income
  • $6,439Total noninterest expense
  • $2,924Salaries and employee benefits
  • $697Premises and equipment expense
  • $2,818Additional noninterest expense
  • $5,800Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,107Applicable income taxes
  • $3,693Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,693Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $657Sale, conversion, retirement of capital stock, net
  • $3,700Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.53%Yield on earning assets
  • 3.04%Cost of funding earning assets
  • 5.49%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 1.69%Net operating income to assets
  • 1.69%Return on assets (ROA)
  • 2.66%Pretax return on assets
  • 22.88%Return on equity (ROE)
  • -0.04%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 88.58%Credit loss provision to net charge-offs
  • 9.71%Efficiency ratio
  • 50,066Assets per employee
  • 2.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.19%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 185.42%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 72.58%Net loans and leases to core deposits
  • 77.15%Equity capital to assets
  • 7.44%Core capital (leverage) ratio
  • 7.60%Tier 1 risk-based capital ratio
  • 11.19%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $218,048Average earning assets
  • $16,137Average equity
  • $199,052Average loans

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