First National Bank in Texarkana, Texas (TX), AR
Overview, Financial Summary, Detailed Financial Reports, Branches


First National Bank - Overview

  • General
  • FDIC Certificate #: 3881
    Status: Active
    Federal Reserve ID: 273149
    Bank Holding Company (Regulatory Top Holder): First National Bancshares Of Hempstead County (RSSDID: 1100224, Location: Hope, AR)
    Date Established: January 01, 1909
    WWW: http://www.first-banking.com
    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: 8 (Domestic: 8, Interstate: Yes)
    FDIC's unique #: 2531
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 03, 2008
    Last Structure Change Process Date: September 28, 2009
    Last Data Update: September 28, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 3625 Richmond Road, Texarkana, TX 75503
    County: Bowie
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    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)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $310.8 mil
    Equity capital: $29.4 mil
    Deposits held in domestic offices: $271.9 mil
    Return on assets (ROA): 0.17% ($0.5 mil)
    Quarterly return on assets: -0.70% (-$2.2 mil)
    Return on Equity (ROE): 1.71% ($0.5 mil)
    Quarterly return on equity: -7.34% (-$2.1 mil)
    Net income: $0.5 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: 0.17% ($528.4 mil)
    Quarterly Pretax return on assets: -0.70% (-$2,175.6 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
  • 89Total employees (full-time equivalent)
  • $310,806Total assets
  • $36,146Cash and due from depository institutions
  • $28,054Interest-bearing balances
  • $12,714Securities
  • $4,925Federal funds sold & reverse repurchase agreements
  • $240,063Net loans & leases
  • $3,713Loan loss allowance
  • $0Trading account assets
  • $10,800Bank premises and fixed assets
  • $1,551Other real estate owned
  • $0Goodwill and other intangibles
  • $310,806Life insurance assets
  • $4,607All other assets
  • $281,408Total liabilities and capital
  • $271,857Total liabilities
  • $239,096Total deposits
  • $271,857Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,819Trading liabilities
  • $0Other borrowed funds
  • $732Subordinated debt
  • $29,398All other liabilities
  • $29,398Total equity capital
  • $29,398Total bank equity capital
  • $0Perpetual preferred stock
  • $293Common stock
  • $20,358Surplus
  • $8,747Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,345Income earned, not collected on loans
  • $0Earning assets
  • $2,059Long-term assets (5+ years)
  • $285,756Average Assets, year-to-date
  • $22,636Average Assets, quarterly
  • $304,730Volatile liabilities
  • $310,095Insider loans
  • $224,418FHLB advances
  • $314,045Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $29,422Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,571Restructured Loans and leases
  • $1,921Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,420Total interest income
  • $3,762Total interest expense
  • $12,658Net interest income
  • $2,970Provision for loan and lease losses
  • $1,380Total noninterest income
  • $15Fiduciary activities
  • $1,202Service charges on deposit accounts
  • $0Trading account gains & fees
  • $163Additional noninterest income
  • $10,552Total noninterest expense
  • $5,726Salaries and employee benefits
  • $1,612Premises and equipment expense
  • $3,214Additional noninterest expense
  • $516Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $516Income before extraordinary items
  • $0Extraordinary gains - net
  • $516Net income attributable to bank
  • $0Net charge-offs
  • $516Cash dividends
  • $2,970Sale, conversion, retirement of capital stock, net
  • $1,398Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.86%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 4.52%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.77%Noninterest expense to earning assets
  • 0.17%Net operating income to assets
  • 0.17%Return on assets (ROA)
  • 0.17%Pretax return on assets
  • 1.71%Return on equity (ROE)
  • -2.93%Retained earnings to average equity (YTD only)
  • 1.18%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 1.17%Efficiency ratio
  • 75,167Assets per employee
  • 3.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 270.93%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 69.47%Noncurrent assets plus other real estate owned to assets
  • 2.22%Noncurrent loans to loans
  • 2.19%Net loans and leases to deposits
  • 88.30%Net loans and leases to core deposits
  • 96.57%Equity capital to assets
  • 9.46%Core capital (leverage) ratio
  • 9.37%Tier 1 risk-based capital ratio
  • 13.11%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $304,730Average earning assets
  • $30,153Average equity
  • $280,129Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $5,823Managed Assets
  • 1Number of Accounts
  • $5,823Personal trust and agency accounts
  • $1,404Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $366Investment management agency accounts
  • $4,053Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 24Number 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

List of branches

  • 6 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    12526The First National Bank Of Hope Bran200 E. Third St., Hope, AR 71801January 01, 1924Full Service Brick and Mortar
    2202066South Branch2103 South Main Street, Hope, AR 71801June 09, 1983Limited Service Facility
    3202067North Branch617 North Hervey, Hope, AR 71801June 09, 1983Limited Service Facility
    4458020The First National Bank Of Lewisvill202 Spruce Street, Lewisville, AR 71845November 15, 2006Full Service Brick and Mortar
    5458372Blevins Branch5461 Highway 371, Blevins, AR 71825January 31, 2007Full Service Brick and Mortar
    7511419Texarkana, Arkansas Branch3601 East 9th Street, Texarkana, AR 71854January 04, 2010Full Service Brick and Mortar
  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02531First National Bank3625 Richmond Road, Texarkana, TX 75503January 01, 1909Full Service Brick and Mortar
    6500312New Boston Branch615 Sam Houston Street, New Boston, TX 75570December 14, 2009Full Service Brick and Mortar

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