First National Bank in Hot Springs, Arkansas (AR), OK

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First National Bank
GeneralFDIC Certificate #: 3857
Status: Active
Federal Reserve ID: 324649
Bank Holding Company (Regulatory Top Holder): First National Security Company (RSSDID: 1426755, Location: Hot Springs, AR)
Date Established: December 06, 1897
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 31 (Domestic: 31, Interstate: Yes)
OTS Docket #: 10815
FDIC's unique #: 2512
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 13, 2012
Last Structure Change Process Date: January 13, 2012
Last Data Update: January 13, 2012
Data Source Date: April 05, 2012
LocationAddress: 135 Section Line Road, Hot Springs, AR 71913
County: Garland
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
Core Based Statistical Area (CBSA): Hot Springs, AR (#26300)
CBSA Metro Statistical Area: Hot Springs, AR (#26300)
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $718.1 mil
Equity capital: $121.2 mil
Deposits held in domestic offices: $547.7 mil
Return on assets (ROA): 0.89% ($6.4 mil)
Quarterly return on assets: 0.89% ($6.4 mil)
Return on Equity (ROE): 5.32% ($6.4 mil)
Quarterly return on equity: 5.23% ($6.3 mil)
Net income: $6.5 mil
Quarterly Net income: $1.6 mil
Pretax return on assets: 1.43% ($10,268.2 mil)
Quarterly Pretax return on assets: 1.43% ($10,268.2 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)
Total employees (full-time equivalent)215
Total assets$718,058
Cash and due from depository institutions$104,721
Interest-bearing balances$84,400
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$398,115
Loan loss allowance $9,304
Trading account assets$0
Bank premises and fixed assets$21,935
Other real estate owned$1,801
Goodwill and other intangibles$45,695
All other assets$12,894
Life insurance assets$718,058
Total liabilities and capital$596,869
Total liabilities$547,740
Total deposits$439,839
Interest-bearing deposits$547,740
Deposits held in domestic offices$84
% insured (estimated)10000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$38,194
Other borrowed funds $0
Subordinated debt $935
All other liabilities $121,189
Total equity capital$121,189
Total bank equity capital$121,189
Perpetual preferred stock$0
Common stock$201
Undivided profits $22,108
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,371
Earning assets $0
Long-term assets (5+ years) $2,415
Average Assets, year-to-date $615,412
Average Assets, quarterly $46,659
Volatile liabilities $736,646
Insider loans $724,759
FHLB advances $424,142
Loans and leases held for sale $683,601
Unused loan commitments $1,807
Tier 1 (core) risk-based capital $1,807
Tier 2 risk-based capital $74,517
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $61,253
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $27,226
Total interest expense $4,437
Net interest income $22,789
Provision for loan and lease losses $600
Total noninterest income $5,243
Fiduciary activities $0
Service charges on deposit accounts $3,276
Trading account gains & fees $0
Additional noninterest income $1,967
Total noninterest expense $16,903
Salaries and employee benefits $8,686
Premises and equipment expense $1,647
Additional noninterest expense $6,570
Pre-tax net operating income $10,529
Securities gains (losses) $0
Applicable income taxes $3,997
Income before extraordinary items $6,532
Extraordinary gains - net $0
Net income attributable to bank $6,532
Net charge-offs $0
Cash dividends $6,532
Sale, conversion, retirement of capital stock, net $709
Net operating income $6,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.32%
Cost of funding earning assets 0.70%
Net interest margin 3.62%
Noninterest income to earning assets 0.83%
Noninterest expense to earning assets 2.68%
Net operating income to assets 0.89%
Return on assets (ROA) 0.89%
Pretax return on assets 1.43%
Return on equity (ROE) 5.32%
Retained earnings to average equity (YTD only) 0.43%
Net charge-offs to loans 0.17%
Credit loss provision to net charge-offs 84.63%
Efficiency ratio15.70%
Assets per employee$59,368
Cash dividends to net income (YTD only)3.34%
Condition Ratios (%)
Loss allowance to loans 91.86%
Loss allowance to noncurrent loans 2.28%
Noncurrent assets plus other real estate owned to assets 678.63%
Noncurrent loans to loans 0.44%
Net loans and leases to deposits0.34%
Net loans and leases to core deposits 72.68%
Equity capital to assets 77.33%
Core capital (leverage) ratio 16.88%
Tier 1 risk-based capital ratio 10.90%
Total risk-based capital ratio 17.57%
Average assets$19
Average earning assets$736,646
Average equity $122,705
Average loans $630,337
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28 Arkansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02512First National Bank135 Section Line Road, Hot Springs, AR 71913December 06, 1897Full Service Brick and Mortar
2202007Highway 70 Branch504 Collin Raye Drive, De Queen, AR 71832January 29, 1980Full Service Brick and Mortar
314028Dierks BranchMain And Third Streets, Dierks, AR 71833Febuary 15, 1971Full Service Brick and Mortar
415054Nashville Branch420 South Main Street, Nashville, AR 71852August 30, 1974Full Service Brick and Mortar
614023The First National Bank Branch110 West Main Street, Ashdown, AR 71822Febuary 08, 1971Full Service Brick and Mortar
7250819South Branch640 South Constitution Avenue, Ashdown, AR 71822May 24, 1974Limited Service Facility
8250820Foreman Branch707 Tracy Lawrence Ave, Foreman, AR 71836April 20, 1979Limited Service Facility
9250821Texarkana Branch1010 Arkansas Boulevard, Texarkana, AR 71854October 05, 1998Full Service Brick and Mortar
10688First National Bank Branch162 West 4th Street, Waldron, AR 72958June 14, 1901Full Service Brick and Mortar
11187757By-Pass BranchHighway 71 By-Pass & West Second Street, Waldron, AR 72958April 05, 1982Limited Service Facility
13254497Murfreesboro Branch805 North Washington, Murfreesboro, AR 71958January 02, 1990Full Service Brick and Mortar
14254498Wright's Food Center Branch102 W. Broadway, Glenwood, AR 71943May 01, 1994Limited Service Facility
15254500Glenwood Branch214 North First Street, Glenwood, AR 71943March 01, 1999Full Service Brick and Mortar
18356829Loan Production Office135 Section Line Road, Hot Springs, AR 71913June 26, 2000Limited Service Loan Production
19357603Plaza Branch1880 Airport Road Suite A, Hot Springs, AR 71913July 12, 2000Full Service Brick and Mortar
20361546North Highway Branch3835 North Highway 7, Hot Springs, AR 71909January 02, 2001Full Service Brick and Mortar
21361547Akers Road Branch4198 B Malvern, Hot Springs, AR 71901May 15, 2001Limited Service Facility
224224927 South Branch5001 Central, Suite A, Hot Springs, AR 71913June 30, 2003Full Service Retail
23425107Albert Pike Branch2223 Albert Pike, Hot Springs, AR 71913January 20, 2004Full Service Brick and Mortar
248499First National Bank Branch221 South George Street, Mount Ida, AR 71957May 01, 1904Full Service Brick and Mortar
25229701Bob's Food City Branch742 State Highway 270, Mount Ida, AR 71957March 13, 1996Limited Service Facility
262532First National Bank In Mena Branch600 Highway 71 South, Mena, AR 71953January 01, 1911Full Service Brick and Mortar
27202082Cove Branch5607 Highway 71 South, Cove, AR 71937August 28, 1972Full Service Brick and Mortar
28202083Northside Branch601 Highway 71 South, Mena, AR 71953November 01, 1974Full Service Brick and Mortar
29202084Supercenter Branch600 Highway 71 North, Mena, AR 71953January 16, 1995Full Service Retail
30463484Hot Springs Village Ii1398 Desoto Boulevard, Hot Springs Village, AR 71909April 13, 2007Full Service Brick and Mortar
32480414Dequeen Main Branch121 South Third Street, De Queen, AR 71832August 17, 2007Full Service Brick and Mortar
33481037Little Rock Cantrell Road Branch5315 Highland Drive, Little Rock, AR 72223August 25, 2008Full Service Brick and Mortar
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3 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
349898East Main Street Branch8 East Main Street, Idabel, OK 74745September 01, 1938Full Service Brick and Mortar
3541310702 Washington Branch702 Washington, Idabel, OK 74745January 01, 1919Limited Service Facility
3615744Broken Bow Branch409 South Park Drive, Broken Bow, OK 74728December 15, 1977Full Service Brick and Mortar
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