First Arkansas Bank and Trust in Jacksonville, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Arkansas Bank and Trust - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 220Total employees (full-time equivalent)
  • $681,477Total assets
  • $37,947Cash and due from depository institutions
  • $24,559Interest-bearing balances
  • $265,383Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $303,612Net loans & leases
  • $6,088Loan loss allowance
  • $0Trading account assets
  • $18,167Bank premises and fixed assets
  • $2,396Other real estate owned
  • $30,072Goodwill and other intangibles
  • $681,477Life insurance assets
  • $23,900All other assets
  • $567,951Total liabilities and capital
  • $518,699Total liabilities
  • $431,991Total deposits
  • $518,699Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 4748.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $40,000Trading liabilities
  • $0Other borrowed funds
  • $4,504Subordinated debt
  • $113,526All other liabilities
  • $113,526Total equity capital
  • $113,526Total bank equity capital
  • $0Perpetual preferred stock
  • $2Common stock
  • $61,578Surplus
  • $51,946Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,543Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,985Income earned, not collected on loans
  • $127Earning assets
  • $3,353Long-term assets (5+ years)
  • $593,554Average Assets, year-to-date
  • $197,991Average Assets, quarterly
  • $683,624Volatile liabilities
  • $685,946Insider loans
  • $451,010FHLB advances
  • $635,415Loans and leases held for sale
  • $10,224Unused loan commitments
  • $6,338Tier 1 (core) risk-based capital
  • $78,944Tier 2 risk-based capital
  • $3,275Total risk weighted assets
  • $611Total unused commitments
  • $64,069Restructured Loans and leases
  • $3,860Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $32,269Total interest income
  • $5,301Total interest expense
  • $26,968Net interest income
  • $1,470Provision for loan and lease losses
  • $7,740Total noninterest income
  • $290Fiduciary activities
  • $3,282Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,168Additional noninterest income
  • $21,090Total noninterest expense
  • $11,301Salaries and employee benefits
  • $3,182Premises and equipment expense
  • $6,607Additional noninterest expense
  • $12,148Pre-tax net operating income
  • $343Securities gains (losses)
  • $0Applicable income taxes
  • $12,491Income before extraordinary items
  • $0Extraordinary gains - net
  • $12,491Net income attributable to bank
  • $0Net charge-offs
  • $12,491Cash dividends
  • $1,390Sale, conversion, retirement of capital stock, net
  • $4,729Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.42%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 4.53%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 1.78%Net operating income to assets
  • 1.83%Return on assets (ROA)
  • 1.83%Pretax return on assets
  • 11.54%Return on equity (ROE)
  • 7.17%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 105.76%Credit loss provision to net charge-offs
  • 9.80%Efficiency ratio
  • 58,350Assets per employee
  • 3.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.86%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 76.24%Noncurrent assets plus other real estate owned to assets
  • 1.59%Noncurrent loans to loans
  • 2.58%Net loans and leases to deposits
  • 58.53%Net loans and leases to core deposits
  • 60.03%Equity capital to assets
  • 16.66%Core capital (leverage) ratio
  • 12.42%Tier 1 risk-based capital ratio
  • 17.50%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $683,624Average earning assets
  • $108,286Average equity
  • $595,696Average 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
  • $83,189Managed Assets
  • 1Number of Accounts
  • $35,972Personal trust and agency accounts
  • $27,159Employee benefit-defined contribution accounts
  • $8,813Employee 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
  • 280Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $47,217Other retirement accounts
  • $27,519Corporate trust and agency accounts
  • $6,564Other fiduciary accounts
  • $8,584Fiduciary accounts held in foreign offices

List of branches

  • 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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