First National Bank in Waldron, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 16, 2006

First National Bank in Waldron, Arkansas (AR)
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First National Bank - Overview

General
FDIC Certificate #: 1035
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First National Bank (#3857)
Federal Reserve ID: 746344
Date Established: June 14, 1901
WWW: http://www.fnbwaldron.com
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
OTS Docket #: 10804
FDIC's unique #: 688
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 16, 2006
Last Structure Change Process Date: Febuary 24, 2006
Last Data Update: Febuary 24, 2006
Data Source Date: April 05, 2012
Location
Address: 162 West 4th Street, Waldron, AR 72958
County: Scott
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
Financial Summary
Total assets: $85.3 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, 2005)

Dollar figures in thousands
18Total employees (full-time equivalent)
$85,345Total assets
$1,702Cash and due from depository institutions
$23Interest-bearing balances
$50,705Securities
$1,345Federal funds sold & reverse repurchase agreements
$29,139Net loans & leases
$373Loan loss allowance
$0Trading account assets
$606Bank premises and fixed assets
$161Other real estate owned
$257Goodwill and other intangibles
$0Life insurance assets
$1,430All other assets
$85,345Total liabilities and capital
$78,093Total liabilities
$68,864Total deposits
$60,886Interest-bearing deposits
$68,864Deposits held in domestic offices
0.00%% insured (estimated)
$9,000Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$229All other liabilities
$7,252Total equity capital
$7,252Total bank equity capital
$7,252Perpetual preferred stock
$0Common stock
$0Surplus
$7,223Undivided profits
Memoranda
$29Noncurrent loans and leases
$1,927Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$50Earning assets
$0Long-term assets (5+ years)
$585Average Assets, year-to-date
$81,212Average Assets, quarterly
$937Volatile liabilities
$88,125Insider loans
$85,654FHLB advances
$27,672Loans and leases held for sale
$366Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,927Total unused commitments
$0Restructured Loans and leases
$373Derivatives

Income and Expense (December 31, 2005)

Dollar figures in thousands
$4,169Total interest income
$1,535Total interest expense
$2,634Net interest income
$5Provision for loan and lease losses
$301Total noninterest income
$0Fiduciary activities
$206Service charges on deposit accounts
$0Trading account gains & fees
$95Additional noninterest income
$1,428Total noninterest expense
$786Salaries and employee benefits
$146Premises and equipment expense
$496Additional noninterest expense
$1,502Pre-tax net operating income
$0Securities gains (losses)
$516Applicable income taxes
$986Income before extraordinary items
$0Extraordinary gains - net
$986Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$4Sale, conversion, retirement of capital stock, net
$8,000Net operating income

Performance and Condition Ratios (December 31, 2005)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.96%Yield on earning assets
1.83%Cost of funding earning assets
3.13%Net interest margin
0.36%Noninterest income to earning assets
1.70%Noninterest expense to earning assets
1.12%Net operating income to assets
1.12%Return on assets (ROA)
1.70%Pretax return on assets
11.38%Return on equity (ROE)
-80.94%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
125.00%Credit loss provision to net charge-offs
376.75%Efficiency ratio
48,654Assets per employee
4.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
811.36%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
746.00%Noncurrent assets plus other real estate owned to assets
0.25%Noncurrent loans to loans
0.17%Net loans and leases to deposits
42.31%Net loans and leases to core deposits
58.06%Equity capital to assets
8.50%Core capital (leverage) ratio
9.08%Tier 1 risk-based capital ratio
20.70%Total risk-based capital ratio
Memoranda
$22Average assets
$88,125Average earning assets
$8,665Average equity
$84,095Average loans

Total Fiduciary and Related Assets (December 31, 2003)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$143Managed Assets
1Number of Accounts
$143Personal trust and agency accounts
$143Employee benefit-defined contribution accounts
$0Employee 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
2Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

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