First Arkansas Bank and Trust in Jacksonville, Arkansas (AR)

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First Arkansas Bank and Trust
GeneralFDIC Certificate #: 16849
Status: Active
Federal Reserve ID: 466240
Bank Holding Company (Regulatory Top Holder): First Arkansas Bancshares, Inc. (RSSDID: 1096550, Location: Jacksonville, AR)
Date Established: November 05, 1949
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 25 (Domestic: 25, Interstate: No)
OTS Docket #: 14212
FDIC's unique #: 10948
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: November 05, 1949
Last Structure Change Effective Date: August 05, 2008
Last Structure Change Process Date: August 05, 2008
Last Data Update: August 05, 2008
Data Source Date: April 05, 2012
LocationAddress: 600 West Main Street, Jacksonville, AR 72076
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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $681.5 mil
Equity capital: $113.5 mil
Deposits held in domestic offices: $518.7 mil
Return on assets (ROA): 1.83% ($12.5 mil)
Quarterly return on assets: 1.32% ($9.0 mil)
Return on Equity (ROE): 11.54% ($13.2 mil)
Quarterly return on equity: 8.03% ($9.2 mil)
Net income: $12.5 mil
Quarterly Net income: $2.3 mil
Pretax return on assets: 1.83% ($12,471.0 mil)
Quarterly Pretax return on assets: 1.32% ($8,995.5 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)
Total employees (full-time equivalent)220
Total assets$681,477
Cash and due from depository institutions$37,947
Interest-bearing balances$24,559
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$303,612
Loan loss allowance $6,088
Trading account assets$0
Bank premises and fixed assets$18,167
Other real estate owned$2,396
Goodwill and other intangibles$30,072
All other assets$23,900
Life insurance assets$681,477
Total liabilities and capital$567,951
Total liabilities$518,699
Total deposits$431,991
Interest-bearing deposits$518,699
Deposits held in domestic offices$90
% insured (estimated)4748.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$40,000
Other borrowed funds $0
Subordinated debt $4,504
All other liabilities $113,526
Total equity capital$113,526
Total bank equity capital$113,526
Perpetual preferred stock$0
Common stock$2
Undivided profits $51,946
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,543
Income earned, not collected on loans $7,985
Earning assets $127
Long-term assets (5+ years) $3,353
Average Assets, year-to-date $593,554
Average Assets, quarterly $197,991
Volatile liabilities $683,624
Insider loans $685,946
FHLB advances $451,010
Loans and leases held for sale $635,415
Unused loan commitments $10,224
Tier 1 (core) risk-based capital $6,338
Tier 2 risk-based capital $78,944
Total risk weighted assets $3,275
Total unused commitments $611
Restructured Loans and leases $64,069
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $32,269
Total interest expense $5,301
Net interest income $26,968
Provision for loan and lease losses $1,470
Total noninterest income $7,740
Fiduciary activities $290
Service charges on deposit accounts $3,282
Trading account gains & fees $0
Additional noninterest income $4,168
Total noninterest expense $21,090
Salaries and employee benefits $11,301
Premises and equipment expense $3,182
Additional noninterest expense $6,607
Pre-tax net operating income $12,148
Securities gains (losses) $343
Applicable income taxes $0
Income before extraordinary items $12,491
Extraordinary gains - net $0
Net income attributable to bank $12,491
Net charge-offs $0
Cash dividends $12,491
Sale, conversion, retirement of capital stock, net $1,390
Net operating income $4,729
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.42%
Cost of funding earning assets 0.89%
Net interest margin 4.53%
Noninterest income to earning assets 1.30%
Noninterest expense to earning assets 3.54%
Net operating income to assets 1.78%
Return on assets (ROA) 1.83%
Pretax return on assets 1.83%
Return on equity (ROE) 11.54%
Retained earnings to average equity (YTD only) 7.17%
Net charge-offs to loans 0.44%
Credit loss provision to net charge-offs 105.76%
Efficiency ratio9.80%
Assets per employee$58,350
Cash dividends to net income (YTD only)3.10%
Condition Ratios (%)
Loss allowance to loans 37.86%
Loss allowance to noncurrent loans 1.97%
Noncurrent assets plus other real estate owned to assets 76.24%
Noncurrent loans to loans 1.59%
Net loans and leases to deposits2.58%
Net loans and leases to core deposits 58.53%
Equity capital to assets 60.03%
Core capital (leverage) ratio 16.66%
Tier 1 risk-based capital ratio 12.42%
Total risk-based capital ratio 17.50%
Average assets$19
Average earning assets$683,624
Average equity $108,286
Average loans $595,696
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$83,189
Number of Accounts1
Personal trust and agency accounts$35,972
Employee benefit-defined contribution accounts$27,159
Employee benefit-defined benefit accounts$8,813
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts280
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$47,217
Corporate trust and agency accounts$27,519
Other fiduciary accounts$6,564
Fiduciary accounts held in foreign offices$8,584
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24 Arkansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010948First Arkansas Bank And Trust600 West Main Street, Jacksonville, AR 72076November 05, 1949Full Service Brick and Mortar
1239009Arnold Drive Lr Afb BranchBuilding 795, Arnold Drive, Jacksonville, AR 72076January 10, 1956Full Service Brick and Mortar
2239010West Branch2519 W Main St, Jacksonville, AR 72076September 02, 1966Full Service Brick and Mortar
3239011Gravel Ridge Branch14905 Hwy 107, Gravel Ridge, AR 72076October 17, 1983Full Service Brick and Mortar
5239013North Branch501 J.P. Wright Loop Road, Jacksonville, AR 72076August 21, 1989Full Service Brick and Mortar
8239014Highway 5 Branch3166 Highway 367 South, Cabot, AR 72023January 31, 1994Full Service Brick and Mortar
9239015Rockwood Branch105 South Rockwood, Cabot, AR 72023Febuary 08, 1999Full Service Brick and Mortar
10357133Wal Mart Branch2000 John Harden Drive, Jacksonville, AR 72076January 26, 2000Full Service Retail
11419343Highway 89 South Branch111 Bill Foster Memorial Highway, Cabot, AR 72023July 30, 2002Full Service Retail
12427069Mccain Boulevard Branch4450 East Mccain Boulevard, North Little Rock, AR 72117March 17, 2004Full Service Retail
13427741El Paso Branch3097 Hwy 5, El Paso, AR 72045April 15, 2004Full Service Retail
145562Heber Springs Branch806 W Main St, Heber Springs, AR 72543March 03, 1903Full Service Brick and Mortar
15218876Greers Ferry BranchGreers Ferry Rd, Greers Ferry, AR 72067July 28, 1969Full Service Brick and Mortar
18218880Quitman Branch5825 Heber Springs Road West, Quitman, AR 72131January 11, 1999Full Service Brick and Mortar
20218882Guy Community Branch367 Hwy 25 N #1, Greenbrier, AR 72058September 27, 1999Full Service Brick and Mortar
22238058Greenbrier Branch11 North Broadview, Greenbrier, AR 72058Febuary 21, 1968Full Service Brick and Mortar
26453569Damascus Branch10 South Broadway, Damascus, AR 72039July 31, 2006Full Service Brick and Mortar
28473954Austin Branch1685 East Main, Austin, AR 72007March 10, 2008Full Service Brick and Mortar
30476946Sherwood Wal Mart Branch9053 Highway 107, Sherwood, AR 72120June 11, 2008Full Service Retail
31478500Cyber Branch600 West Main Street, Jacksonville, AR 72076October 01, 2007Full Service Cyber
3247177New Northside Branch1230 Highway 25b North, Heber Springs, AR 72543July 26, 1991Full Service Brick and Mortar
33270539Clinton BranchThriftway Shopping Center, Clinton, AR 72031June 30, 1986Full Service Brick and Mortar
35437780Sugar Loaf Office Branch1500-A Highway 25 By-Pass, Heber Springs, AR 72543Febuary 08, 2005Full Service Retail
37517917Wildwood Branch2200 Wildwood Avenue, Sherwood, AR 72120Febuary 27, 2011Full Service Brick and Mortar
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