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



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First National Banking Company
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)115
Total assets$359,802
Cash and due from depository institutions$10,232
Interest-bearing balances$2,964
Securities$103,171
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$219,398
Loan loss allowance $3,809
Trading account assets$0
Bank premises and fixed assets$13,728
Other real estate owned$921
Goodwill and other intangibles$1
All other assets$12,351
Life insurance assets$359,802
Total liabilities and capital$324,681
Total liabilities$292,296
Total deposits$250,758
Interest-bearing deposits$292,296
Deposits held in domestic offices$92
% insured (estimated)2345.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$28,000
Other borrowed funds $0
Subordinated debt $2,040
All other liabilities $35,121
Total equity capital$35,121
Total bank equity capital$35,121
Perpetual preferred stock$0
Common stock$100
Surplus$17,900
Undivided profits $17,121
Memoranda
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 $6,783
Earning assets $577
Long-term assets (5+ years) $2,192
Average Assets, year-to-date $325,533
Average Assets, quarterly $120,954
Volatile liabilities $362,832
Insider loans $361,929
FHLB advances $252,744
Loans and leases held for sale $361,555
Unused loan commitments $4,198
Tier 1 (core) risk-based capital $4,198
Tier 2 risk-based capital $35,920
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $18,533
Derivatives$539
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $19,751
Total interest expense $3,742
Net interest income $16,009
Provision for loan and lease losses $1,818
Total noninterest income $3,057
Fiduciary activities $0
Service charges on deposit accounts $1,660
Trading account gains & fees $0
Additional noninterest income $1,397
Total noninterest expense $13,374
Salaries and employee benefits $6,192
Premises and equipment expense $3,069
Additional noninterest expense $4,113
Pre-tax net operating income $3,874
Securities gains (losses) -$859
Applicable income taxes $10
Income before extraordinary items $3,005
Extraordinary gains - net $0
Net income attributable to bank $3,005
Net charge-offs $0
Cash dividends $3,005
Sale, conversion, retirement of capital stock, net $1,717
Net operating income $4,781
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.05%
Cost of funding earning assets 1.15%
Net interest margin 4.91%
Noninterest income to earning assets 0.94%
Noninterest expense to earning assets 4.10%
Net operating income to assets 1.06%
Return on assets (ROA) 0.83%
Pretax return on assets 0.83%
Return on equity (ROE) 8.39%
Retained earnings to average equity (YTD only) -4.96%
Net charge-offs to loans 0.74%
Credit loss provision to net charge-offs 105.88%
Efficiency ratio3.32%
Assets per employee$70,125
Cash dividends to net income (YTD only)3.13%
Condition Ratios (%)
Loss allowance to loans 159.10%
Loss allowance to noncurrent loans 1.71%
Noncurrent assets plus other real estate owned to assets 56.16%
Noncurrent loans to loans 2.14%
Net loans and leases to deposits3.04%
Net loans and leases to core deposits 75.06%
Equity capital to assets 78.44%
Core capital (leverage) ratio 9.76%
Tier 1 risk-based capital ratio 9.93%
Total risk-based capital ratio 14.21%
Memoranda
Average assets$15
Average earning assets$362,832
Average equity $35,809
Average loans $326,282
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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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