First National Bank & Trust Company in Mountain Home, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 18979
    Status: Active
    Federal Reserve ID: 26242
    Bank Holding Company (Regulatory Top Holder): Mountain Home Bancshares, Inc. (RSSDID: 1098415, Location: Mountain Home, AR)
    Date Established: December 14, 1963
    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: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 11232
    FDIC's unique #: 12823
    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: December 14, 1963
    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: 502 South Hickory Street, Mountain Home, AR 72653
    County: Baxter
    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): Mountain Home, AR (#34260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $388.4 mil
    Equity capital: $55.5 mil
    Deposits held in domestic offices: $321.7 mil
    Return on assets (ROA): 1.32% ($5.1 mil)
    Quarterly return on assets: 1.19% ($4.6 mil)
    Return on Equity (ROE): 9.18% ($5.0 mil)
    Quarterly return on equity: 8.15% ($4.5 mil)
    Net income: $5.1 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.77% ($6,875.3 mil)
    Quarterly Pretax return on assets: 1.52% ($5,904.2 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
  • 121Total employees (full-time equivalent)
  • $388,434Total assets
  • $10,404Cash and due from depository institutions
  • $3,860Interest-bearing balances
  • $92,077Securities
  • $5,725Federal funds sold & reverse repurchase agreements
  • $239,960Net loans & leases
  • $2,940Loan loss allowance
  • $0Trading account assets
  • $12,418Bank premises and fixed assets
  • $170Other real estate owned
  • $10,846Goodwill and other intangibles
  • $388,434Life insurance assets
  • $16,834All other assets
  • $332,945Total liabilities and capital
  • $321,727Total liabilities
  • $289,011Total deposits
  • $321,727Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 7401.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,817Subordinated debt
  • $55,489All other liabilities
  • $55,489Total equity capital
  • $55,489Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $25,669Surplus
  • $29,819Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,911Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,511Income earned, not collected on loans
  • $0Earning assets
  • $2,065Long-term assets (5+ years)
  • $341,622Average Assets, year-to-date
  • $85,038Average Assets, quarterly
  • $387,280Volatile liabilities
  • $387,765Insider loans
  • $265,837FHLB advances
  • $377,722Loans and leases held for sale
  • $11,379Unused loan commitments
  • $11,379Tier 1 (core) risk-based capital
  • $43,484Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $51,311Restructured Loans and leases
  • $5,398Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,656Total interest income
  • $1,694Total interest expense
  • $14,962Net interest income
  • $775Provision for loan and lease losses
  • $4,159Total noninterest income
  • $698Fiduciary activities
  • $1,831Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,630Additional noninterest income
  • $11,550Total noninterest expense
  • $6,948Salaries and employee benefits
  • $1,989Premises and equipment expense
  • $2,613Additional noninterest expense
  • $6,796Pre-tax net operating income
  • $63Securities gains (losses)
  • $1,743Applicable income taxes
  • $5,116Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,116Net income attributable to bank
  • $0Net charge-offs
  • $5,116Cash dividends
  • $455Sale, conversion, retirement of capital stock, net
  • $5,036Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 4.39%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.32%Return on assets (ROA)
  • 1.77%Pretax return on assets
  • 9.18%Return on equity (ROE)
  • 0.14%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 170.33%Credit loss provision to net charge-offs
  • 16.64%Efficiency ratio
  • 60,405Assets per employee
  • 3.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 98.44%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 117.08%Noncurrent assets plus other real estate owned to assets
  • 0.69%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 74.58%Net loans and leases to core deposits
  • 75.62%Equity capital to assets
  • 14.29%Core capital (leverage) ratio
  • 11.51%Tier 1 risk-based capital ratio
  • 16.36%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $387,280Average earning assets
  • $55,752Average equity
  • $341,181Average 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
  • $61,834Managed Assets
  • 1Number of Accounts
  • $33,360Personal trust and agency accounts
  • $28,514Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,399Corporate trust and agency accounts
  • $187Investment management agency accounts
  • $3,260Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 176Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $28,474Other retirement accounts
  • $7,000Corporate trust and agency accounts
  • $1,179Other fiduciary accounts
  • $1,328Fiduciary accounts held in foreign offices

List of branches

  • 8 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012823First National Bank & Trust Company502 South Hickory Street, Mountain Home, AR 72653December 14, 1963Full Service Brick and Mortar
    1246992Gassville Branch701 East Main Street, Gassville, AR 72635October 15, 1973Full Service Brick and Mortar
    2246993Lakeview BranchSheffield Road And Highway 178 East, Lakeview, AR 72642April 26, 1976Full Service Brick and Mortar
    4224209East Pocahontas Branch1608 U S Highway 67 South, Pocahontas, AR 72455August 15, 1994Limited Service Facility
    6431565Pocahontas Main Branch1 Bank Plaza, Pocahontas, AR 72455August 20, 2004Full Service Brick and Mortar
    7444530East Branch2696 Highway 62 East, Mountain Home, AR 72653August 15, 2005Full Service Brick and Mortar
    8453312Flippin Branch203 North 1st Street, Flippin, AR 72634April 25, 2006Full Service Brick and Mortar
    10478820Integrity First Bank - Highland Bran400 East Highland Drive, Jonesboro, AR 72401June 30, 2008Full Service Brick and Mortar

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