First National Bank of Howard County in Dierks, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 20, 2005

First National Bank of Howard County in Dierks, Arkansas (AR)
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First National Bank of Howard County - Overview

General
FDIC Certificate #: 20365
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First National Bank (#3857)
Federal Reserve ID: 704942
Date Established: Febuary 15, 1971
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
OTS Docket #: 10865
FDIC's unique #: 14028
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: Febuary 15, 1971
Last Structure Change Effective Date: January 20, 2005
Last Structure Change Process Date: March 16, 2005
Last Data Update: March 16, 2005
Data Source Date: April 05, 2012
Location
Address: Main And Third Streets, Dierks, AR 71833
County: Howard
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Shreveport
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $38.5 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, 2004)

Dollar figures in thousands
10Total employees (full-time equivalent)
$38,460Total assets
$580Cash and due from depository institutions
$7Interest-bearing balances
$19,324Securities
$0Federal funds sold & reverse repurchase agreements
$17,562Net loans & leases
$357Loan loss allowance
$0Trading account assets
$106Bank premises and fixed assets
$47Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$841All other assets
$38,460Total liabilities and capital
$31,473Total liabilities
$31,381Total deposits
$27,525Interest-bearing deposits
$31,381Deposits held in domestic offices
0.00%% insured (estimated)
$15Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$77All other liabilities
$6,987Total equity capital
$6,987Total bank equity capital
$6,987Perpetual preferred stock
$0Common stock
$135Surplus
$1,865Undivided profits
Memoranda
$4,987Noncurrent loans and leases
$1,102Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$139Earning assets
$0Long-term assets (5+ years)
$275Average Assets, year-to-date
$36,893Average Assets, quarterly
$875Volatile liabilities
$39,054Insider loans
$38,879FHLB advances
$10,608Loans and leases held for sale
$229Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,102Total unused commitments
$0Restructured Loans and leases
$260Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$2,029Total interest income
$505Total interest expense
$1,524Net interest income
$162Provision for loan and lease losses
$128Total noninterest income
$0Fiduciary activities
$83Service charges on deposit accounts
$0Trading account gains & fees
$45Additional noninterest income
$863Total noninterest expense
$382Salaries and employee benefits
$61Premises and equipment expense
$420Additional noninterest expense
$627Pre-tax net operating income
$0Securities gains (losses)
$207Applicable income taxes
$420Income before extraordinary items
$0Extraordinary gains - net
$420Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$42Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.40%Yield on earning assets
1.34%Cost of funding earning assets
4.06%Net interest margin
0.34%Noninterest income to earning assets
2.30%Noninterest expense to earning assets
1.08%Net operating income to assets
1.08%Return on assets (ROA)
1.61%Pretax return on assets
6.16%Return on equity (ROE)
6.16%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
385.71%Credit loss provision to net charge-offs
18.79%Efficiency ratio
52,240Assets per employee
3.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.99%Loss allowance to noncurrent loans
256.83%Noncurrent assets plus other real estate owned to assets
0.48%Noncurrent loans to loans
0.78%Net loans and leases to deposits
55.96%Net loans and leases to core deposits
84.48%Equity capital to assets
18.17%Core capital (leverage) ratio
18.43%Tier 1 risk-based capital ratio
34.62%Total risk-based capital ratio
Memoranda
$36Average assets
$39,054Average earning assets
$6,815Average equity
$37,552Average loans

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