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

This bank is inactive as of May 01, 1996

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

General
FDIC Certificate #: 8729
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Union Planters Bank, National Association (#15838)
Federal Reserve ID: 105147
Date Established: January 01, 1928
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Interstate: No)
FDIC's unique #: 5560
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: May 01, 1996
Last Structure Change Process Date: May 09, 1996
Last Data Update: May 09, 1996
Data Source Date: April 05, 2012
Location
Address: 303 West Hale Street, Osceola, AR 72370
County: Mississippi
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
Core Based Statistical Area (CBSA): Blytheville, AR (#14180)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $61.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$35Total assets
$61,769Cash and due from depository institutions
$4,607Interest-bearing balances
$0Securities
$17,980Federal funds sold & reverse repurchase agreements
$10,550Net loans & leases
$25,762Loan loss allowance
$332Trading account assets
$0Bank premises and fixed assets
$1,360Other real estate owned
$544Goodwill and other intangibles
$966Life insurance assets
$0All other assets
$0Total liabilities and capital
$61,769Total liabilities
$55,144Total deposits
$54,576Interest-bearing deposits
$43,878Deposits held in domestic offices
54576.00%% insured (estimated)
$81Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$117Subordinated debt
$0All other liabilities
$451Total equity capital
$451Total bank equity capital
$6,625Perpetual preferred stock
$0Common stock
$1,000Surplus
$1,000Undivided profits
Memoranda
$4,625Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$155Income earned, not collected on loans
$510Earning assets
$54,292Long-term assets (5+ years)
$3,388Average Assets, year-to-date
$61,374Average Assets, quarterly
$60,176Volatile liabilities
$9,752Insider loans
$1,106FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$926Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,392Total risk weighted assets
$32,981Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$3,984Total interest expense
$1,817Net interest income
$2,167Provision for loan and lease losses
$30Total noninterest income
$495Fiduciary activities
$0Service charges on deposit accounts
$384Trading account gains & fees
$0Additional noninterest income
$111Total noninterest expense
$2,200Salaries and employee benefits
$1,219Premises and equipment expense
$341Additional noninterest expense
$640Pre-tax net operating income
$432Securities gains (losses)
-$4Applicable income taxes
$61Income before extraordinary items
$367Extraordinary gains - net
$0Net income attributable to bank
$367Net charge-offs
$211Cash dividends
$298Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.36%Cost of funding earning assets
3.36%Net interest margin
4.00%Noninterest income to earning assets
0.91%Noninterest expense to earning assets
4.06%Net operating income to assets
0.60%Return on assets (ROA)
0.60%Pretax return on assets
0.70%Return on equity (ROE)
5.54%Retained earnings to average equity (YTD only)
1.04%Net charge-offs to loans
0.77%Credit loss provision to net charge-offs
14.22%Efficiency ratio
82,645Assets per employee
1.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
81.20%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
214.19%Noncurrent assets plus other real estate owned to assets
1.13%Noncurrent loans to loans
0.59%Net loans and leases to deposits
47.20%Net loans and leases to core deposits
57.32%Equity capital to assets
10.73%Core capital (leverage) ratio
10.48%Tier 1 risk-based capital ratio
19.38%Total risk-based capital ratio
Memoranda
$20Average assets
$61,374Average earning assets
$6,627Average equity
$54,134Average loans

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