First Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 27634 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BancorpSouth Bank (#11813) Federal Reserve ID: 895970 Date Established: January 01, 1889 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 29 FDIC's unique #: 40468 Numeric code: 37 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: November 26, 1934 Last Structure Change Effective Date: October 31, 2000 Last Structure Change Process Date: November 20, 2000 Last Data Update: November 20, 2000 Data Source Date: April 05, 2012
Location
Address: 216 East Third St, Texarkana, AR 71854 County: Miller Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Shreveport Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Texarkana, TX-Texarkana, AR (#8360) Core Based Statistical Area (CBSA): Texarkana, TX-Texarkana, AR (#45500) CBSA Metro Statistical Area: Texarkana, TX-Texarkana, AR (#45500)
Financial Summary
Total assets: $217.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
42Total employees (full-time equivalent)
$204,807Total assets
$4,865Cash and due from depository institutions
$1,932Interest-bearing balances
$27,765Securities
$150Federal funds sold & reverse repurchase agreements
$165,744Net loans & leases
$944Loan loss allowance
$0Trading account assets
$2,849Bank premises and fixed assets
$302Other real estate owned
$237Goodwill and other intangibles
$0Life insurance assets
$2,895All other assets
$204,807Total liabilities and capital
$179,014Total liabilities
$153,711Total deposits
$149,053Interest-bearing deposits
$153,711Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$24,200Other borrowed funds
$0Subordinated debt
$1,103All other liabilities
$25,793Total equity capital
$25,793Total bank equity capital
$25,793Perpetual preferred stock
$0Common stock
$1Surplus
$10,138Undivided profits
Memoranda
$15,654Noncurrent loans and leases
$9,774Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$792Earning assets
$0Long-term assets (5+ years)
$1,065Average Assets, year-to-date
$195,591Average Assets, quarterly
$0Volatile liabilities
$197,499Insider loans
$202,822FHLB advances
$45,134Loans and leases held for sale
$552Unused loan commitments
$23,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$9,774Total unused commitments
$0Restructured Loans and leases
$944Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$14,877Total interest income
$7,979Total interest expense
$6,898Net interest income
$0Provision for loan and lease losses
$1,304Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$1,304Additional noninterest income
$2,788Total noninterest expense
$1,933Salaries and employee benefits
$382Premises and equipment expense
$473Additional noninterest expense
$5,414Pre-tax net operating income
$0Securities gains (losses)
$2,010Applicable income taxes
$3,404Income before extraordinary items
$0Extraordinary gains - net
$3,404Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$9Sale, conversion, retirement of capital stock, net
$3,500Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.88%Yield on earning assets
4.23%Cost of funding earning assets
3.65%Net interest margin
0.69%Noninterest income to earning assets
1.48%Noninterest expense to earning assets
1.72%Net operating income to assets
1.72%Return on assets (ROA)
2.74%Pretax return on assets
13.03%Return on equity (ROE)
-0.37%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
601.56%Efficiency ratio
33,992Assets per employee
4.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
102.82%Loss allowance to loans
0.57%Loss allowance to noncurrent loans
119.19%Noncurrent assets plus other real estate owned to assets
0.39%Noncurrent loans to loans
0.48%Net loans and leases to deposits
107.83%Net loans and leases to core deposits
124.83%Equity capital to assets
12.59%Core capital (leverage) ratio
12.85%Tier 1 risk-based capital ratio
21.27%Total risk-based capital ratio
Memoranda
$22Average assets
$197,499Average earning assets
$26,120Average equity
$188,793Average loans
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