Cross County Bank in Wynne, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Cross County Bank - Overview

  • General
  • FDIC Certificate #: 13821
    Status: Active
    Federal Reserve ID: 989347
    Bank Holding Company (Regulatory Top Holder): Cross County Bancshares, Inc. (RSSDID: 1131611, Location: Wynne, AR)
    Date Established: June 04, 1891
    Trust Powers Granted: Yes
    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 #: 8640
    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: Febuary 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: 1 Cross County Plaza, Wynne, AR 72396
    County: Cross
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    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: $173.2 mil
    Equity capital: $21.0 mil
    Deposits held in domestic offices: $151.1 mil
    Return on assets (ROA): 0.63% ($1.1 mil)
    Quarterly return on assets: 0.42% ($0.7 mil)
    Return on Equity (ROE): 5.09% ($1.1 mil)
    Quarterly return on equity: 3.56% ($0.7 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.84% ($1,454.6 mil)
    Quarterly Pretax return on assets: 0.51% ($883.2 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
  • 59Total employees (full-time equivalent)
  • $173,170Total assets
  • $9,014Cash and due from depository institutions
  • $2,491Interest-bearing balances
  • $19,583Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $129,519Net loans & leases
  • $2,406Loan loss allowance
  • $0Trading account assets
  • $4,974Bank premises and fixed assets
  • $5,590Other real estate owned
  • $0Goodwill and other intangibles
  • $173,170Life insurance assets
  • $4,490All other assets
  • $152,193Total liabilities and capital
  • $151,060Total liabilities
  • $121,277Total deposits
  • $151,060Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $848Trading liabilities
  • $0Other borrowed funds
  • $285Subordinated debt
  • $20,977All other liabilities
  • $20,977Total equity capital
  • $20,977Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $4,900Surplus
  • $15,977Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $899Income earned, not collected on loans
  • $134Earning assets
  • $1,433Long-term assets (5+ years)
  • $151,593Average Assets, year-to-date
  • $28,330Average Assets, quarterly
  • $170,886Volatile liabilities
  • $177,941Insider loans
  • $128,668FHLB advances
  • $178,026Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,966Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,779Restructured Loans and leases
  • $5,159Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,487Total interest income
  • $1,487Total interest expense
  • $7,000Net interest income
  • $1,270Provision for loan and lease losses
  • $686Total noninterest income
  • $18Fiduciary activities
  • $931Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$263Additional noninterest income
  • $4,985Total noninterest expense
  • $2,600Salaries and employee benefits
  • $855Premises and equipment expense
  • $1,530Additional noninterest expense
  • $1,431Pre-tax net operating income
  • -$3Securities gains (losses)
  • $356Applicable income taxes
  • $1,072Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,072Net income attributable to bank
  • $0Net charge-offs
  • $1,072Cash dividends
  • $621Sale, conversion, retirement of capital stock, net
  • $734Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.60%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 4.62%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 5.09%Return on equity (ROE)
  • 1.61%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 204.51%Credit loss provision to net charge-offs
  • 4.35%Efficiency ratio
  • 64,858Assets per employee
  • 2.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.47%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 267.63%Noncurrent assets plus other real estate owned to assets
  • 3.75%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 85.74%Net loans and leases to core deposits
  • 90.23%Equity capital to assets
  • 12.11%Core capital (leverage) ratio
  • 11.78%Tier 1 risk-based capital ratio
  • 16.29%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $170,886Average earning assets
  • $21,043Average equity
  • $151,648Average 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
  • $8,563Managed Assets
  • 1Number of Accounts
  • $6,405Personal trust and agency accounts
  • $3,014Employee benefit-defined contribution accounts
  • $3,391Employee 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
  • 63Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,158Other retirement accounts
  • $25Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,050Fiduciary accounts held in foreign offices

List of branches

  • 5 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08640Cross County Bank1 Cross County Plaza, Wynne, AR 72396June 04, 1891Full Service Brick and Mortar
    1230296Hickory Ridge Branch108 Highway 49, Hickory Ridge, AR 72347May 01, 1959Full Service Brick and Mortar
    2230297North Branch1798 North Falls Boulevard, Wynne, AR 72396December 09, 1974Full Service Brick and Mortar
    3230298Cherry Valley Branch3826 Highway 1, Cherry Valley, AR 72324September 16, 1991Full Service Brick and Mortar
    6451475First Commercial Bank Branch900 Enterprise Drive, Jonesboro, AR 72401April 24, 2006Full Service Brick and Mortar

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