First Financial Bank in El Dorado, Arkansas (AR), MS
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Financial Bank in El Dorado, Arkansas (AR), MS
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First Financial Bank - Overview

  • General
  • FDIC Certificate #: 28905
    Status: Active
    Federal Reserve ID: 48374
    Bank Holding Company (Regulatory Top Holder): First Financial Banc Corporation (RSSDID: 2568102, Location: El Dorado, AR)
    Date Established: April 01, 1934
    WWW: http://www.ffb1.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 10 (Domestic: 10, Interstate: Yes)
    OTS Docket #: 2597
    FDIC's unique #: 41739
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: October 29, 1934
    Last Structure Change Effective Date: May 16, 2006
    Last Structure Change Process Date: May 23, 2006
    Last Data Update: May 23, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 214 North Washington Street, El Dorado, AR 71730
    County: Union
    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
    Core Based Statistical Area (CBSA): El Dorado, AR (#20980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Change in Insurance Status
  • Financial Summary
  • Total assets: $791.3 mil
    Equity capital: $72.2 mil
    Deposits held in domestic offices: $601.4 mil
    Return on assets (ROA): 3.10% ($24.5 mil)
    Quarterly return on assets: 3.32% ($26.3 mil)
    Return on Equity (ROE): 34.37% ($24.7 mil)
    Quarterly return on equity: 36.18% ($26.0 mil)
    Net income: $23.6 mil
    Quarterly Net income: $6.5 mil
    Pretax return on assets: 3.10% ($24,529.2 mil)
    Quarterly Pretax return on assets: 3.32% ($26,270.0 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
  • 249Total employees (full-time equivalent)
  • $791,266Total assets
  • $14,761Cash and due from depository institutions
  • $3,786Interest-bearing balances
  • $20,339Securities
  • $31,425Federal funds sold & reverse repurchase agreements
  • $674,779Net loans & leases
  • $8,750Loan loss allowance
  • $0Trading account assets
  • $9,425Bank premises and fixed assets
  • $3,907Other real estate owned
  • $3,862Goodwill and other intangibles
  • $791,266Life insurance assets
  • $32,768All other assets
  • $719,112Total liabilities and capital
  • $601,448Total liabilities
  • $548,064Total deposits
  • $601,448Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 465.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $107,944Trading liabilities
  • $0Other borrowed funds
  • $9,255Subordinated debt
  • $72,154All other liabilities
  • $72,154Total equity capital
  • $72,154Total bank equity capital
  • $0Perpetual preferred stock
  • $705Common stock
  • $18,399Surplus
  • $53,050Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $8,873Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $22,746Income earned, not collected on loans
  • $19,457Earning assets
  • $5,854Long-term assets (5+ years)
  • $730,329Average Assets, year-to-date
  • $257,917Average Assets, quarterly
  • $760,800Volatile liabilities
  • $785,554Insider loans
  • $433,242FHLB advances
  • $781,908Loans and leases held for sale
  • $12,481Unused loan commitments
  • $3,172Tier 1 (core) risk-based capital
  • $68,150Tier 2 risk-based capital
  • $6,523Total risk weighted assets
  • $2,786Total unused commitments
  • $58,578Restructured Loans and leases
  • $10,270Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $43,218Total interest income
  • $10,780Total interest expense
  • $32,438Net interest income
  • $1,750Provision for loan and lease losses
  • $19,518Total noninterest income
  • $0Fiduciary activities
  • $2,046Service charges on deposit accounts
  • $0Trading account gains & fees
  • $17,472Additional noninterest income
  • $26,631Total noninterest expense
  • $15,767Salaries and employee benefits
  • $3,118Premises and equipment expense
  • $7,746Additional noninterest expense
  • $23,575Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $23,575Income before extraordinary items
  • $0Extraordinary gains - net
  • $23,575Net income attributable to bank
  • $0Net charge-offs
  • $23,575Cash dividends
  • $1,352Sale, conversion, retirement of capital stock, net
  • $15,462Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.18%Yield on earning assets
  • 1.54%Cost of funding earning assets
  • 4.64%Net interest margin
  • 2.79%Noninterest income to earning assets
  • 3.81%Noninterest expense to earning assets
  • 3.10%Net operating income to assets
  • 3.10%Return on assets (ROA)
  • 3.10%Pretax return on assets
  • 34.37%Return on equity (ROE)
  • 11.83%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 129.44%Credit loss provision to net charge-offs
  • 18.73%Efficiency ratio
  • 50,995Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.59%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 38.47%Noncurrent assets plus other real estate owned to assets
  • 3.37%Noncurrent loans to loans
  • 3.33%Net loans and leases to deposits
  • 112.19%Net loans and leases to core deposits
  • 133.09%Equity capital to assets
  • 9.12%Core capital (leverage) ratio
  • 8.72%Tier 1 risk-based capital ratio
  • 15.73%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $760,800Average earning assets
  • $68,596Average equity
  • $699,208Average loans

List of branches

  • 7 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041739First Financial Bank214 North Washington Street, El Dorado, AR 71730April 01, 1934Full Service Brick and Mortar
    1271502318 Griffith Street Branch318 Griffith Street, El Dorado, AR 71730April 01, 1934Full Service Brick and Mortar
    100271503122 West Seventh Street Branch122 West Seventh Street, Smackover, AR 71762April 01, 1934Full Service Brick and Mortar
    103271506El Dorado Branch2202 North West Avenue, El Dorado, AR 71730March 01, 1992Full Service Brick and Mortar
    112271515Washington Street Branch214 North Washington, El Dorado, AR 71730July 06, 1998Full Service Brick and Mortar
    113271516Timberlane Branch500 Timberlane, El Dorado, AR 71730January 25, 1999Full Service Brick and Mortar
    117488147East Main Branch2300 East Main, El Dorado, AR 71730Febuary 05, 2009Full Service Brick and Mortar
  • 3 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    11477233Senatobia Branch700 N Robinson St, Senatobia, MS 38668August 02, 1999Full Service Brick and Mortar
    116465935Carthage Bank Branch510 Hwy 35 S, Carthage, MS 39051July 10, 2006Full Service Brick and Mortar
    118520573First Financial Bank Loan Production1667 Simpson Highway 49, Magee, MS 39111July 03, 2006Limited Service Loan Production

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