First National Banking Company in Ash Flat, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First National Banking Company in Ash Flat, Arkansas (AR)
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First National Banking Company - Overview

  • General
  • FDIC Certificate #: 1294
    Status: Active
    Federal Reserve ID: 100843
    Bank Holding Company (Regulatory Top Holder): Fnbc Bancorp Inc (RSSDID: 1099690, Location: Ash Flat, AR)
    Date Established: January 01, 1912
    WWW: http://www.fnbc.us
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 15 (Domestic: 15, Interstate: No)
    OTS Docket #: 10113
    FDIC's unique #: 869
    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 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 636 Ash Flat Drive, Ash Flat, AR 72513
    County: Sharp
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $359.8 mil
    Equity capital: $35.1 mil
    Deposits held in domestic offices: $292.3 mil
    Return on assets (ROA): 0.83% ($3.0 mil)
    Quarterly return on assets: 0.99% ($3.6 mil)
    Return on Equity (ROE): 8.39% ($2.9 mil)
    Quarterly return on equity: 9.80% ($3.4 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 0.83% ($2,986.4 mil)
    Quarterly Pretax return on assets: 0.99% ($3,562.0 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
  • 115Total employees (full-time equivalent)
  • $359,802Total assets
  • $10,232Cash and due from depository institutions
  • $2,964Interest-bearing balances
  • $103,171Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $219,398Net loans & leases
  • $3,809Loan loss allowance
  • $0Trading account assets
  • $13,728Bank premises and fixed assets
  • $921Other real estate owned
  • $1Goodwill and other intangibles
  • $359,802Life insurance assets
  • $12,351All other assets
  • $324,681Total liabilities and capital
  • $292,296Total liabilities
  • $250,758Total deposits
  • $292,296Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 2345.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $28,000Trading liabilities
  • $0Other borrowed funds
  • $2,040Subordinated debt
  • $35,121All other liabilities
  • $35,121Total equity capital
  • $35,121Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $17,900Surplus
  • $17,121Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,783Income earned, not collected on loans
  • $577Earning assets
  • $2,192Long-term assets (5+ years)
  • $325,533Average Assets, year-to-date
  • $120,954Average Assets, quarterly
  • $362,832Volatile liabilities
  • $361,929Insider loans
  • $252,744FHLB advances
  • $361,555Loans and leases held for sale
  • $4,198Unused loan commitments
  • $4,198Tier 1 (core) risk-based capital
  • $35,920Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,533Restructured Loans and leases
  • $539Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,751Total interest income
  • $3,742Total interest expense
  • $16,009Net interest income
  • $1,818Provision for loan and lease losses
  • $3,057Total noninterest income
  • $0Fiduciary activities
  • $1,660Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,397Additional noninterest income
  • $13,374Total noninterest expense
  • $6,192Salaries and employee benefits
  • $3,069Premises and equipment expense
  • $4,113Additional noninterest expense
  • $3,874Pre-tax net operating income
  • -$859Securities gains (losses)
  • $10Applicable income taxes
  • $3,005Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,005Net income attributable to bank
  • $0Net charge-offs
  • $3,005Cash dividends
  • $1,717Sale, conversion, retirement of capital stock, net
  • $4,781Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.05%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 4.91%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 4.10%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 8.39%Return on equity (ROE)
  • -4.96%Retained earnings to average equity (YTD only)
  • 0.74%Net charge-offs to loans
  • 105.88%Credit loss provision to net charge-offs
  • 3.32%Efficiency ratio
  • 70,125Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 159.10%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 56.16%Noncurrent assets plus other real estate owned to assets
  • 2.14%Noncurrent loans to loans
  • 3.04%Net loans and leases to deposits
  • 75.06%Net loans and leases to core deposits
  • 78.44%Equity capital to assets
  • 9.76%Core capital (leverage) ratio
  • 9.93%Tier 1 risk-based capital ratio
  • 14.21%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $362,832Average earning assets
  • $35,809Average equity
  • $326,282Average loans

List of branches

  • 15 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0869First National Banking Company636 Ash Flat Drive, Ash Flat, AR 72513January 01, 1912Full Service Brick and Mortar
    1189278Cherokee Village Branch1 Santee Drive, Hardy, AR 72542June 06, 1974Full Service Brick and Mortar
    2189279Hardy Branch500 Main Street, Hardy, AR 72542January 08, 1990Full Service Brick and Mortar
    3288205Melbourne Branch500 East Main, Melbourne, AR 72556December 05, 1986Full Service Brick and Mortar
    4283512Hwy 62 And Hwy 9 BranchHighway 62 And Highway 9, Salem, AR 72576January 01, 1958Full Service Brick and Mortar
    5189280Wal-Mart Supercenter Branch219 Highway 62-412, Ash Flat, AR 72513November 23, 1999Full Service Retail
    6361327Www.Fnbc.us BranchHighway 167, Ash Flat, AR 72513October 09, 2000Full Service Cyber
    7422957Mammoth Spring Branch358 Highway 63 South, Mammoth Spring, AR 72554July 30, 2003Full Service Brick and Mortar
    8444511Batesville Branch1388 Harrison Street, Batesville, AR 72501July 27, 2005Full Service Brick and Mortar
    9444948Messenger Service Branch636 Ash Flat Drive, Ash Flat, AR 72513September 02, 2005Limited Service Messenger
    10445422Highland Branch1476 Highway 62/412, Highland, AR 72542September 30, 2005Full Service Brick and Mortar
    11446899Horseshoe Bend Branch405 Market Street, Horseshoe Bend, AR 72512November 16, 2005Full Service Brick and Mortar
    12447290Mountain Home Branch102 South Main Street, Mountain Home, AR 72653December 21, 2005Full Service Brick and Mortar
    13447974Mobile Branch #1636 Ash Flat Drive, Ash Flat, AR 72513January 12, 2006Limited Service Mobile
    14447975Mobile Branch #2636 Ash Flat Drive, Ash Flat, AR 72513January 12, 2006Limited Service Mobile

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