First National Bank in city_name, state_name - Detailed Financial Reports, Location

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

General
FDIC Certificate #: 3887
Status: Active
Federal Reserve ID: 42448
Bank Holding Company (Regulatory Top Holder): First Paragould Bankshares, Inc. (RSSDID: 1119383, Location: Paragould, AR)
Date Established: March 22, 1889
WWW: http://www.fnbank.net
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 9 (Domestic: 9, Interstate: No)
OTS Docket #: 10322
FDIC's unique #: 2535
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: Second And Court Streets, Paragould, AR 72450
County: Greene
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Memphis
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Combined Statistical Area (CSA): Jonesboro-Paragould, AR (#308)
Core Based Statistical Area (CBSA): Paragould, AR (#37500)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $676.3 mil
Equity capital: $79.6 mil
Deposits held in domestic offices: $536.7 mil
Return on assets (ROA): 1.54% ($10.4 mil)
Quarterly return on assets: 1.49% ($10.1 mil)
Return on Equity (ROE): 13.33% ($10.7 mil)
Quarterly return on equity: 12.65% ($10.1 mil)
Net income: $10.3 mil
Quarterly Net income: $2.5 mil
Pretax return on assets: 2.24% ($15,148.3 mil)
Quarterly Pretax return on assets: 2.06% ($13,931.1 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
146Total employees (full-time equivalent)
$676,265Total assets
$40,321Cash and due from depository institutions
$36,042Interest-bearing balances
$112,922Securities
$0Federal funds sold & reverse repurchase agreements
$496,114Net loans & leases
$9,497Loan loss allowance
$0Trading account assets
$11,411Bank premises and fixed assets
$165Other real estate owned
$0Goodwill and other intangibles
$676,265Life insurance assets
$15,332All other assets
$596,699Total liabilities and capital
$536,726Total liabilities
$496,985Total deposits
$536,726Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$57,500Trading liabilities
$0Other borrowed funds
$2,473Subordinated debt
$79,566All other liabilities
$79,566Total equity capital
$79,566Total bank equity capital
$0Perpetual preferred stock
$1,200Common stock
$3,501Surplus
$74,865Undivided profits
Memoranda
$0Noncurrent loans and leases
$951Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,930Income earned, not collected on loans
$0Earning assets
$7,689Long-term assets (5+ years)
$645,078Average Assets, year-to-date
$147,239Average Assets, quarterly
$667,096Volatile liabilities
$680,406Insider loans
$491,019FHLB advances
$678,756Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$76,672Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$71,849Restructured Loans and leases
$2,519Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$35,317Total interest income
$9,674Total interest expense
$25,643Net interest income
$1,696Provision for loan and lease losses
$6,561Total noninterest income
$0Fiduciary activities
$3,690Service charges on deposit accounts
$0Trading account gains & fees
$2,871Additional noninterest income
$15,593Total noninterest expense
$8,952Salaries and employee benefits
$1,833Premises and equipment expense
$4,808Additional noninterest expense
$14,915Pre-tax net operating income
$6Securities gains (losses)
$4,671Applicable income taxes
$10,250Income before extraordinary items
$0Extraordinary gains - net
$10,250Net income attributable to bank
$0Net charge-offs
$10,250Cash dividends
$1,266Sale, conversion, retirement of capital stock, net
$4,566Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.57%Yield on earning assets
1.53%Cost of funding earning assets
4.04%Net interest margin
1.03%Noninterest income to earning assets
2.46%Noninterest expense to earning assets
1.54%Net operating income to assets
1.54%Return on assets (ROA)
2.24%Pretax return on assets
13.33%Return on equity (ROE)
7.39%Retained earnings to average equity (YTD only)
0.25%Net charge-offs to loans
133.97%Credit loss provision to net charge-offs
13.12%Efficiency ratio
48,419Assets per employee
4.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.55%Loss allowance to loans
1.88%Loss allowance to noncurrent loans
492.07%Noncurrent assets plus other real estate owned to assets
0.31%Noncurrent loans to loans
0.38%Net loans and leases to deposits
92.43%Net loans and leases to core deposits
96.82%Equity capital to assets
11.77%Core capital (leverage) ratio
11.30%Tier 1 risk-based capital ratio
15.61%Total risk-based capital ratio
Memoranda
$17Average assets
$667,096Average earning assets
$76,881Average equity
$634,303Average loans

List of branches

9 Arkansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2535	First National Bank	Second And Court Streets, Paragould, AR 72450	March 22, 1889	Full Service Brick and Mortar
2	202092	West Branch	201 Linwood Dr, Paragould, AR 72450	November 12, 1980	Limited Service Facility
3	202093	Reynold's Road Branch	2701 West Kings Highway, Paragould, AR 72450	Febuary 01, 1995	Full Service Brick and Mortar
4	202094	Jonesboro/Hilltop Branch	3500 East Johnson Avenue, Jonesboro, AR 72401	September 14, 1998	Full Service Brick and Mortar
5	362694	Elk Park Branch	912 Southwest Drive, Jonesboro, AR 72401	October 29, 2001	Full Service Brick and Mortar
6	17446	Third Street Branch	502 West Third St., Corning, AR 72422	June 15, 1984	Limited Service Facility
7	207918	Knobel Branch	210 Maple Street, Knobel, AR 72435	August 16, 1976	Limited Service Facility
8	207919	Corning Banking Center	612 Missouri Avenue, Corning, AR 72422	April 21, 1977	Full Service Brick and Mortar
9	445441	Highland Drive Branch	2701 East Highland Drive, Jonesboro, AR 72401	October 11, 2005	Full Service Brick and Mortar

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

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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