First National Bank of North Arkansas in Berryville, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of North Arkansas - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 83Total employees (full-time equivalent)
  • $154,626Total assets
  • $5,498Cash and due from depository institutions
  • $482Interest-bearing balances
  • $4,901Securities
  • $7,150Federal funds sold & reverse repurchase agreements
  • $128,338Net loans & leases
  • $1,276Loan loss allowance
  • $0Trading account assets
  • $4,598Bank premises and fixed assets
  • $864Other real estate owned
  • $275Goodwill and other intangibles
  • $154,626Life insurance assets
  • $3,002All other assets
  • $135,941Total liabilities and capital
  • $127,417Total liabilities
  • $108,090Total deposits
  • $127,417Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 3786.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,177Trading liabilities
  • $0Other borrowed funds
  • $561Subordinated debt
  • $18,685All other liabilities
  • $18,685Total equity capital
  • $18,685Total bank equity capital
  • $0Perpetual preferred stock
  • $570Common stock
  • $1,090Surplus
  • $17,025Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,434Income earned, not collected on loans
  • $0Earning assets
  • $1,237Long-term assets (5+ years)
  • $140,871Average Assets, year-to-date
  • $21,856Average Assets, quarterly
  • $140,864Volatile liabilities
  • $147,836Insider loans
  • $113,987FHLB advances
  • $146,230Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,410Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,758Restructured Loans and leases
  • $4,004Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,036Total interest income
  • $910Total interest expense
  • $7,126Net interest income
  • $400Provision for loan and lease losses
  • $1,205Total noninterest income
  • $97Fiduciary activities
  • $656Service charges on deposit accounts
  • $0Trading account gains & fees
  • $452Additional noninterest income
  • $6,137Total noninterest expense
  • $3,605Salaries and employee benefits
  • $702Premises and equipment expense
  • $1,830Additional noninterest expense
  • $1,794Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,794Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,794Net income attributable to bank
  • $0Net charge-offs
  • $1,794Cash dividends
  • $220Sale, conversion, retirement of capital stock, net
  • $1,641Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.22%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 5.52%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 4.75%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 9.45%Return on equity (ROE)
  • 0.81%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 181.82%Credit loss provision to net charge-offs
  • 9.97%Efficiency ratio
  • 73,653Assets per employee
  • 1.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.47%Loss allowance to loans
  • 0.98%Loss allowance to noncurrent loans
  • 52.42%Noncurrent assets plus other real estate owned to assets
  • 2.13%Noncurrent loans to loans
  • 1.88%Net loans and leases to deposits
  • 100.72%Net loans and leases to core deposits
  • 108.47%Equity capital to assets
  • 12.08%Core capital (leverage) ratio
  • 12.59%Tier 1 risk-based capital ratio
  • 16.15%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $140,864Average earning assets
  • $18,984Average equity
  • $129,176Average 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
  • $38,327Managed Assets
  • 1Number of Accounts
  • $29,078Personal trust and agency accounts
  • $16,026Employee benefit-defined contribution accounts
  • $13,052Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 76Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $9,249Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $9,249Fiduciary accounts held in foreign offices

List of branches

  • 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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