First State Bank in Gould, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1995

First State Bank in Gould, Arkansas (AR)
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First State Bank - Overview

General
FDIC Certificate #: 19016
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Simmons First National Bank (#3890)
Federal Reserve ID: 260345
Date Established: January 06, 1964
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 12857
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: Febuary 01, 1964
Last Structure Change Effective Date: April 01, 1995
Last Structure Change Process Date: April 17, 1995
Last Data Update: April 17, 1995
Data Source Date: April 05, 2012
Location
Address: 133 West Highway Street, Gould, AR 71643
County: Lincoln
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
Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340)
Core Based Statistical Area (CBSA): Pine Bluff, AR (#38220)
CBSA Metro Statistical Area: Pine Bluff, AR (#38220)
Financial Summary
Total assets: $16.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$17Total assets
$16,620Cash and due from depository institutions
$1,173Interest-bearing balances
$95Securities
$3,287Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$11,428Loan loss allowance
$122Trading account assets
$0Bank premises and fixed assets
$528Other real estate owned
$0Goodwill and other intangibles
$204Life insurance assets
$0All other assets
$0Total liabilities and capital
$16,620Total liabilities
$15,141Total deposits
$14,979Interest-bearing deposits
$11,714Deposits held in domestic offices
14979.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$55Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$107Total equity capital
$107Total bank equity capital
$1,479Perpetual preferred stock
$0Common stock
$240Surplus
$960Undivided profits
Memoranda
$279Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$13Income earned, not collected on loans
$116Earning assets
$14,810Long-term assets (5+ years)
$1,027Average Assets, year-to-date
$17,735Average Assets, quarterly
$17,238Volatile liabilities
$1,264Insider loans
$1,120FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,409Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,527Total risk weighted assets
$11,949Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$1,168Total interest expense
$412Net interest income
$756Provision for loan and lease losses
$0Total noninterest income
$144Fiduciary activities
$0Service charges on deposit accounts
$105Trading account gains & fees
$0Additional noninterest income
$39Total noninterest expense
$676Salaries and employee benefits
$349Premises and equipment expense
$112Additional noninterest expense
$215Pre-tax net operating income
$224Securities gains (losses)
-$44Applicable income taxes
$49Income before extraordinary items
$131Extraordinary gains - net
$0Net income attributable to bank
$131Net charge-offs
-$12Cash dividends
$65Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.43%Cost of funding earning assets
2.62%Net interest margin
4.81%Noninterest income to earning assets
0.92%Noninterest expense to earning assets
4.30%Net operating income to assets
0.92%Return on assets (ROA)
0.74%Pretax return on assets
1.01%Return on equity (ROE)
8.89%Retained earnings to average equity (YTD only)
4.48%Net charge-offs to loans
-0.11%Credit loss provision to net charge-offs
0.00%Efficiency ratio
75,111Assets per employee
0.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.62%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
938.46%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.11%Net loans and leases to deposits
76.29%Net loans and leases to core deposits
82.99%Equity capital to assets
8.90%Core capital (leverage) ratio
8.76%Tier 1 risk-based capital ratio
12.78%Total risk-based capital ratio
Memoranda
$14Average assets
$17,735Average earning assets
$1,474Average equity
$15,729Average loans

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