Commercial Bank & Trust Company in Monticello, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


Commercial Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 90
    Status: Active
    Federal Reserve ID: 23643
    Bank Holding Company (Regulatory Top Holder): Drew Bancshares, Inc. (RSSDID: 1098198, Location: Monticello, AR)
    Date Established: January 01, 1913
    WWW: http://www.commercial-bank.net
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12628
    FDIC's unique #: 70
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 212 West Gaines Street, Monticello, AR 71655
    County: Drew
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $157.3 mil
    Equity capital: $16.3 mil
    Deposits held in domestic offices: $140.4 mil
    Return on assets (ROA): 1.78% ($2.8 mil)
    Quarterly return on assets: 1.78% ($2.8 mil)
    Return on Equity (ROE): 17.85% ($2.9 mil)
    Quarterly return on equity: 17.04% ($2.7 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.78% ($2,800.2 mil)
    Quarterly Pretax return on assets: 1.78% ($2,800.2 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
  • 40Total employees (full-time equivalent)
  • $157,315Total assets
  • $7,127Cash and due from depository institutions
  • $115Interest-bearing balances
  • $44,872Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $100,167Net loans & leases
  • $1,698Loan loss allowance
  • $0Trading account assets
  • $1,563Bank premises and fixed assets
  • $1,719Other real estate owned
  • $0Goodwill and other intangibles
  • $157,315Life insurance assets
  • $1,867All other assets
  • $141,024Total liabilities and capital
  • $140,427Total liabilities
  • $117,085Total deposits
  • $140,427Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $597Subordinated debt
  • $16,291All other liabilities
  • $16,291Total equity capital
  • $16,291Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $2,300Surplus
  • $13,791Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $182Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,245Income earned, not collected on loans
  • $0Earning assets
  • $958Long-term assets (5+ years)
  • $145,154Average Assets, year-to-date
  • $46,353Average Assets, quarterly
  • $157,598Volatile liabilities
  • $157,638Insider loans
  • $101,928FHLB advances
  • $158,446Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,552Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,464Restructured Loans and leases
  • $1,352Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,623Total interest income
  • $1,468Total interest expense
  • $7,155Net interest income
  • $720Provision for loan and lease losses
  • $989Total noninterest income
  • $6Fiduciary activities
  • $451Service charges on deposit accounts
  • $0Trading account gains & fees
  • $532Additional noninterest income
  • $4,615Total noninterest expense
  • $2,519Salaries and employee benefits
  • $728Premises and equipment expense
  • $1,368Additional noninterest expense
  • $2,809Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,809Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,809Net income attributable to bank
  • $0Net charge-offs
  • $2,809Cash dividends
  • $694Sale, conversion, retirement of capital stock, net
  • $2,108Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.95%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.94%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 1.78%Net operating income to assets
  • 1.78%Return on assets (ROA)
  • 1.78%Pretax return on assets
  • 17.85%Return on equity (ROE)
  • 4.45%Retained earnings to average equity (YTD only)
  • 0.67%Net charge-offs to loans
  • 103.75%Credit loss provision to net charge-offs
  • 5.09%Efficiency ratio
  • 56,667Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.04%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 136.39%Noncurrent assets plus other real estate owned to assets
  • 1.88%Noncurrent loans to loans
  • 1.22%Net loans and leases to deposits
  • 71.33%Net loans and leases to core deposits
  • 79.91%Equity capital to assets
  • 10.36%Core capital (leverage) ratio
  • 9.82%Tier 1 risk-based capital ratio
  • 15.26%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $157,598Average earning assets
  • $15,737Average equity
  • $144,962Average 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
  • $12,968Managed Assets
  • 1Number of Accounts
  • $7,916Personal trust and agency accounts
  • $6,557Employee benefit-defined contribution accounts
  • $1,359Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 137Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,052Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $5,052Fiduciary accounts held in foreign offices

List of branches

  • 5 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    070Commercial Bank & Trust Company212 West Gaines Street, Monticello, AR 71655January 01, 1913Full Service Brick and Mortar
    1181020East Branch902 Us Highway 278 And 4 East, Monticello, AR 71655April 07, 1975Limited Service Facility
    2181021West Branch241 Us Highway 425 And 35 North, Monticello, AR 71655April 14, 1975Limited Service Facility
    3181022Westgate Branch428 Highway 425 South, Monticello, AR 71655March 14, 1988Limited Service Facility
    4444328North Park Branch Of Commercial Bank200 North Park Village, Suite 2, Monticello, AR 71655September 01, 2005Limited Service Facility

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