Fidelity National Bank in West Memphis, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Fidelity National Bank - Overview

  • General
  • FDIC Certificate #: 19644
    Status: Active
    Federal Reserve ID: 848248
    Bank Holding Company (Regulatory Top Holder): Carlson Bancshares, Inc. (RSSDID: 1491641, Location: West Memphis, AR)
    Date Established: November 04, 1966
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 13443
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: November 04, 1966
    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: 330 West Broadway, West Memphis, AR 72301
    County: Crittenden
    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
    Metropolitan Statistical Area (MSA): Memphis, TN-AR-MS (#4920)
    Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820)
    CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $332.5 mil
    Equity capital: $37.6 mil
    Deposits held in domestic offices: $293.6 mil
    Return on assets (ROA): 1.39% ($4.6 mil)
    Quarterly return on assets: 1.43% ($4.7 mil)
    Return on Equity (ROE): 12.95% ($4.9 mil)
    Quarterly return on equity: 12.64% ($4.8 mil)
    Net income: $4.5 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.39% ($4,621.1 mil)
    Quarterly Pretax return on assets: 1.43% ($4,754.1 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)
  • $332,453Total assets
  • $4,207Cash and due from depository institutions
  • $0Interest-bearing balances
  • $214,075Securities
  • $10,760Federal funds sold & reverse repurchase agreements
  • $91,726Net loans & leases
  • $1,957Loan loss allowance
  • $0Trading account assets
  • $4,735Bank premises and fixed assets
  • $4,443Other real estate owned
  • $0Goodwill and other intangibles
  • $332,452Life insurance assets
  • $2,507All other assets
  • $294,878Total liabilities and capital
  • $293,575Total liabilities
  • $245,274Total deposits
  • $293,575Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $750Trading liabilities
  • $0Other borrowed funds
  • $553Subordinated debt
  • $37,574All other liabilities
  • $37,574Total equity capital
  • $37,574Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $3,588Surplus
  • $33,986Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $10,614Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,942Income earned, not collected on loans
  • $0Earning assets
  • $1,382Long-term assets (5+ years)
  • $316,561Average Assets, year-to-date
  • $147,099Average Assets, quarterly
  • $323,244Volatile liabilities
  • $328,443Insider loans
  • $131,005FHLB advances
  • $333,783Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $31,969Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,176Restructured Loans and leases
  • $2,235Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,808Total interest income
  • $2,200Total interest expense
  • $9,608Net interest income
  • $524Provision for loan and lease losses
  • $1,915Total noninterest income
  • $0Fiduciary activities
  • $1,226Service charges on deposit accounts
  • $0Trading account gains & fees
  • $689Additional noninterest income
  • $7,100Total noninterest expense
  • $3,344Salaries and employee benefits
  • $814Premises and equipment expense
  • $2,942Additional noninterest expense
  • $3,899Pre-tax net operating income
  • $596Securities gains (losses)
  • $0Applicable income taxes
  • $4,495Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,495Net income attributable to bank
  • $0Net charge-offs
  • $4,495Cash dividends
  • $568Sale, conversion, retirement of capital stock, net
  • $1,775Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.84%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 3.13%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 2.31%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.39%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 12.95%Return on equity (ROE)
  • 7.83%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 92.25%Credit loss provision to net charge-offs
  • 7.79%Efficiency ratio
  • 61,616Assets per employee
  • 5.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.49%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 19.68%Noncurrent assets plus other real estate owned to assets
  • 4.33%Noncurrent loans to loans
  • 10.61%Net loans and leases to deposits
  • 31.24%Net loans and leases to core deposits
  • 39.38%Equity capital to assets
  • 11.30%Core capital (leverage) ratio
  • 9.58%Tier 1 risk-based capital ratio
  • 24.40%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $323,244Average earning assets
  • $34,719Average equity
  • $307,232Average loans

List of branches

  • 5 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013443Fidelity National Bank330 West Broadway, West Memphis, AR 72301November 04, 1966Full Service Brick and Mortar
    3249130Mid-Continent Branch350 West Service Road, West Memphis, AR 72301July 31, 1974Full Service Brick and Mortar
    4249131Marion Branch330 West Military Road, Marion, AR 72364June 08, 1989Full Service Brick and Mortar
    5356827Midway Branch1200 State Highway 77, Marion, AR 72364June 16, 2000Full Service Brick and Mortar
    6359580Hughes Branch211 Broadway, Hughes, AR 72348January 31, 2001Full Service Brick and Mortar

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