First National Bank of North Arkansas in Berryville, Arkansas (AR)

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First National Bank of North Arkansas routing number info

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First National Bank of North Arkansas
GeneralFDIC Certificate #: 3854
Status: Active
Federal Reserve ID: 864846
Bank Holding Company (Regulatory Top Holder): First National Bank Of Berryville Employee Stock Ownership Trust (RSSDID: 2027412, Location: Berryville, AR)
Date Established: Febuary 18, 1889
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: 10 (Domestic: 9, Interstate: No)
OTS Docket #: 11374
FDIC's unique #: 2509
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: March 06, 2012
Last Structure Change Process Date: March 26, 2012
Last Data Update: March 26, 2012
Data Source Date: April 05, 2012
LocationAddress: 305-307 Public Square, Berryville, AR 72616
County: Carroll
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
History of ChangesOffice Purchased
Financial SummaryTotal assets: $154.6 mil
Equity capital: $18.7 mil
Deposits held in domestic offices: $127.4 mil
Return on assets (ROA): 1.27% ($2.0 mil)
Quarterly return on assets: 0.65% ($1.0 mil)
Return on Equity (ROE): 9.45% ($1.8 mil)
Quarterly return on equity: 5.03% ($1.0 mil)
Net income: $1.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.27% ($1,963.8 mil)
Quarterly Pretax return on assets: 0.65% ($1,005.1 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)
Total employees (full-time equivalent)83
Total assets$154,626
Cash and due from depository institutions$5,498
Interest-bearing balances$482
Federal funds sold & reverse repurchase agreements$7,150
Net loans & leases$128,338
Loan loss allowance $1,276
Trading account assets$0
Bank premises and fixed assets$4,598
Other real estate owned$864
Goodwill and other intangibles$275
All other assets$3,002
Life insurance assets$154,626
Total liabilities and capital$135,941
Total liabilities$127,417
Total deposits$108,090
Interest-bearing deposits$127,417
Deposits held in domestic offices$86
% insured (estimated)3786.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,177
Other borrowed funds $0
Subordinated debt $561
All other liabilities $18,685
Total equity capital$18,685
Total bank equity capital$18,685
Perpetual preferred stock$0
Common stock$570
Undivided profits $17,025
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,434
Earning assets $0
Long-term assets (5+ years) $1,237
Average Assets, year-to-date $140,871
Average Assets, quarterly $21,856
Volatile liabilities $140,864
Insider loans $147,836
FHLB advances $113,987
Loans and leases held for sale $146,230
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $18,410
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,758
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,036
Total interest expense $910
Net interest income $7,126
Provision for loan and lease losses $400
Total noninterest income $1,205
Fiduciary activities $97
Service charges on deposit accounts $656
Trading account gains & fees $0
Additional noninterest income $452
Total noninterest expense $6,137
Salaries and employee benefits $3,605
Premises and equipment expense $702
Additional noninterest expense $1,830
Pre-tax net operating income $1,794
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,794
Extraordinary gains - net $0
Net income attributable to bank $1,794
Net charge-offs $0
Cash dividends $1,794
Sale, conversion, retirement of capital stock, net $220
Net operating income $1,641
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.22%
Cost of funding earning assets 0.70%
Net interest margin 5.52%
Noninterest income to earning assets 0.93%
Noninterest expense to earning assets 4.75%
Net operating income to assets 1.27%
Return on assets (ROA) 1.27%
Pretax return on assets 1.27%
Return on equity (ROE) 9.45%
Retained earnings to average equity (YTD only) 0.81%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 181.82%
Efficiency ratio9.97%
Assets per employee$73,653
Cash dividends to net income (YTD only)1.86%
Condition Ratios (%)
Loss allowance to loans 91.47%
Loss allowance to noncurrent loans 0.98%
Noncurrent assets plus other real estate owned to assets 52.42%
Noncurrent loans to loans 2.13%
Net loans and leases to deposits1.88%
Net loans and leases to core deposits 100.72%
Equity capital to assets 108.47%
Core capital (leverage) ratio 12.08%
Tier 1 risk-based capital ratio 12.59%
Total risk-based capital ratio 16.15%
Average assets$17
Average earning assets$140,864
Average equity $18,984
Average loans $129,176
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$38,327
Number of Accounts1
Personal trust and agency accounts$29,078
Employee benefit-defined contribution accounts$16,026
Employee benefit-defined benefit accounts$13,052
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts76
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$9,249
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$9,249
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10 Arkansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02509First National Bank Of North Arkansa305-307 Public Square, Berryville, AR 72616Febuary 18, 1889Full Service Brick and Mortar
1201994Carroll Center Branch910 West Trimble Suite 1, Berryville, AR 72616July 09, 1986Limited Service Trust
2201995Eureka Springs Office149 Huntsville Rd, Eureka Springs, AR 72632April 30, 1990Full Service Brick and Mortar
3201996Green Forest Branch604 West Main, Green Forest, AR 72638December 18, 1991Full Service Brick and Mortar
4201997Holiday Island Branch5 Forrest Park Avenue, Holiday Island, AR 72631March 05, 1996Full Service Brick and Mortar
5201998West 62 Branch1004 West Trimble, Berryville, AR 72616June 13, 1996Full Service Brick and Mortar
6419214Huntsville Branch403 West Main Street, Huntsville, AR 72740May 19, 2003Full Service Brick and Mortar
7467618Harrison Branch204 East Rush, Harrison, AR 72601July 09, 2007Full Service Brick and Mortar
8242827Marshall Branch201 Hwy 27 S, Marshall, AR 72650March 29, 1999Full Service Brick and Mortar
9359434Pangburn Community Bank Branch502 Main Street, Pangburn, AR 72121Febuary 07, 2001Full Service Brick and Mortar
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