First Commercial Bank, Rogers in Rogers, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 24, 1998

  • First Commercial Bank, Rogers in Rogers, Arkansas (AR)
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First Commercial Bank, Rogers - Overview

  • General
  • FDIC Certificate #: 17678
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 179643
    Date Established: October 10, 1956
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Interstate: No)
    OTS Docket #: 14333
    FDIC's unique #: 11642
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 10, 1956
    Last Structure Change Effective Date: September 24, 1998
    Last Structure Change Process Date: October 29, 1998
    Last Data Update: Febuary 04, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 500 West Walnut Street, Rogers, AR 72757
    County: Benton
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Fayetteville-Springdale-Rogers, AR (#2580)
    Core Based Statistical Area (CBSA): Fayetteville-Springdale-Rogers, AR-MO (#22220)
    CBSA Metro Statistical Area: Fayetteville-Springdale-Rogers, AR-MO (#22220)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $219.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 40Total employees (full-time equivalent)
  • $97,551Total assets
  • $4,473Cash and due from depository institutions
  • $0Interest-bearing balances
  • $15,590Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $73,646Net loans & leases
  • $1,143Loan loss allowance
  • $0Trading account assets
  • $1,754Bank premises and fixed assets
  • $2Other real estate owned
  • $1,140Goodwill and other intangibles
  • $0Life insurance assets
  • $946All other assets
  • $97,551Total liabilities and capital
  • $89,088Total liabilities
  • $86,349Total deposits
  • $77,147Interest-bearing deposits
  • $86,349Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $370Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,000Other borrowed funds
  • $0Subordinated debt
  • $369All other liabilities
  • $8,463Total equity capital
  • $8,463Total bank equity capital
  • $8,463Perpetual preferred stock
  • $0Common stock
  • $136Surplus
  • $7,894Undivided profits
  • Memoranda
  • $433Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $128Earning assets
  • $0Long-term assets (5+ years)
  • $490Average Assets, year-to-date
  • $89,236Average Assets, quarterly
  • $20,557Volatile liabilities
  • $94,760Insider loans
  • $96,554FHLB advances
  • $18,582Loans and leases held for sale
  • $3,493Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,982Total unused commitments
  • $0Restructured Loans and leases
  • $69,571Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $7,399Total interest income
  • $3,744Total interest expense
  • $3,655Net interest income
  • $275Provision for loan and lease losses
  • $562Total noninterest income
  • $0Fiduciary activities
  • $389Service charges on deposit accounts
  • $0Trading account gains & fees
  • $173Additional noninterest income
  • $2,762Total noninterest expense
  • $1,291Salaries and employee benefits
  • $538Premises and equipment expense
  • $933Additional noninterest expense
  • $1,180Pre-tax net operating income
  • $0Securities gains (losses)
  • $458Applicable income taxes
  • $722Income before extraordinary items
  • $0Extraordinary gains - net
  • $722Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $134Sale, conversion, retirement of capital stock, net
  • $550Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.46%Yield on earning assets
  • 4.28%Cost of funding earning assets
  • 4.18%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.16%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 8.68%Return on equity (ROE)
  • 2.07%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 205.22%Credit loss provision to net charge-offs
  • 10.86%Efficiency ratio
  • 62,485Assets per employee
  • 2.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.18%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 892.97%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 85.29%Net loans and leases to core deposits
  • 106.52%Equity capital to assets
  • 8.68%Core capital (leverage) ratio
  • 7.80%Tier 1 risk-based capital ratio
  • 10.53%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $94,760Average earning assets
  • $8,316Average equity
  • $87,424Average loans

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