First National Bank in Hot Springs, Arkansas (AR), OK
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total 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
  • 215Total employees (full-time equivalent)
  • $718,058Total assets
  • $104,721Cash and due from depository institutions
  • $84,400Interest-bearing balances
  • $132,897Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $398,115Net loans & leases
  • $9,304Loan loss allowance
  • $0Trading account assets
  • $21,935Bank premises and fixed assets
  • $1,801Other real estate owned
  • $45,695Goodwill and other intangibles
  • $718,058Life insurance assets
  • $12,894All other assets
  • $596,869Total liabilities and capital
  • $547,740Total liabilities
  • $439,839Total deposits
  • $547,740Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 10000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $38,194Trading liabilities
  • $0Other borrowed funds
  • $935Subordinated debt
  • $121,189All other liabilities
  • $121,189Total equity capital
  • $121,189Total bank equity capital
  • $0Perpetual preferred stock
  • $201Common stock
  • $98,880Surplus
  • $22,108Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,371Income earned, not collected on loans
  • $0Earning assets
  • $2,415Long-term assets (5+ years)
  • $615,412Average Assets, year-to-date
  • $46,659Average Assets, quarterly
  • $736,646Volatile liabilities
  • $724,759Insider loans
  • $424,142FHLB advances
  • $683,601Loans and leases held for sale
  • $1,807Unused loan commitments
  • $1,807Tier 1 (core) risk-based capital
  • $74,517Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $61,253Restructured Loans and leases
  • $12,323Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,226Total interest income
  • $4,437Total interest expense
  • $22,789Net interest income
  • $600Provision for loan and lease losses
  • $5,243Total noninterest income
  • $0Fiduciary activities
  • $3,276Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,967Additional noninterest income
  • $16,903Total noninterest expense
  • $8,686Salaries and employee benefits
  • $1,647Premises and equipment expense
  • $6,570Additional noninterest expense
  • $10,529Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,997Applicable income taxes
  • $6,532Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,532Net income attributable to bank
  • $0Net charge-offs
  • $6,532Cash dividends
  • $709Sale, conversion, retirement of capital stock, net
  • $6,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 5.32%Return on equity (ROE)
  • 0.43%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 84.63%Credit loss provision to net charge-offs
  • 15.70%Efficiency ratio
  • 59,368Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.86%Loss allowance to loans
  • 2.28%Loss allowance to noncurrent loans
  • 678.63%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 72.68%Net loans and leases to core deposits
  • 77.33%Equity capital to assets
  • 16.88%Core capital (leverage) ratio
  • 10.90%Tier 1 risk-based capital ratio
  • 17.57%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $736,646Average earning assets
  • $122,705Average equity
  • $630,337Average loans

List of branches

  • 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
  • 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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