First State Bank of Northwest Arkansas in Huntsville, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of Northwest Arkansas - Overview

  • General
  • FDIC Certificate #: 33470
    Status: Active
    Federal Reserve ID: 1879016
    Bank Holding Company (Regulatory Top Holder): Mathias Bancshares, Inc. (RSSDID: 1951172, Location: Springdale, AR)
    Date Established: July 26, 1991
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 47176
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 26, 1991
    Last Structure Change Effective Date: June 30, 2008
    Last Structure Change Process Date: August 05, 2008
    Last Data Update: August 05, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 432 Madison 1650, Huntsville, AR 72740
    County: Madison
    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
    Core Based Statistical Area (CBSA): Fayetteville-Springdale-Rogers, AR-MO (#22220)
    CBSA Metro Statistical Area: Fayetteville-Springdale-Rogers, AR-MO (#22220)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $83.1 mil
    Equity capital: $11.4 mil
    Deposits held in domestic offices: $64.5 mil
    Return on assets (ROA): 1.08% ($0.9 mil)
    Quarterly return on assets: -0.17% (-$0.1 mil)
    Return on Equity (ROE): 7.73% ($0.9 mil)
    Quarterly return on equity: -1.21% (-$0.1 mil)
    Net income: $0.9 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 1.08% ($897.3 mil)
    Quarterly Pretax return on assets: -0.17% (-$141.2 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
  • 28Total employees (full-time equivalent)
  • $83,081Total assets
  • $3,568Cash and due from depository institutions
  • $1,232Interest-bearing balances
  • $12,901Securities
  • $5,875Federal funds sold & reverse repurchase agreements
  • $45,172Net loans & leases
  • $1,190Loan loss allowance
  • $0Trading account assets
  • $3,317Bank premises and fixed assets
  • $4,353Other real estate owned
  • $0Goodwill and other intangibles
  • $83,081Life insurance assets
  • $7,895All other assets
  • $71,668Total liabilities and capital
  • $64,496Total liabilities
  • $60,799Total deposits
  • $64,496Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,390Trading liabilities
  • $0Other borrowed funds
  • $782Subordinated debt
  • $11,413All other liabilities
  • $11,413Total equity capital
  • $11,413Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $5,374Surplus
  • $6,039Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,160Income earned, not collected on loans
  • $0Earning assets
  • $319Long-term assets (5+ years)
  • $65,180Average Assets, year-to-date
  • $11,132Average Assets, quarterly
  • $80,710Volatile liabilities
  • $81,947Insider loans
  • $59,920FHLB advances
  • $81,944Loans and leases held for sale
  • $1,726Unused loan commitments
  • $1,726Tier 1 (core) risk-based capital
  • $11,297Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,597Restructured Loans and leases
  • $2,469Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,629Total interest income
  • $1,017Total interest expense
  • $2,612Net interest income
  • $532Provision for loan and lease losses
  • $2,060Total noninterest income
  • $0Fiduciary activities
  • $135Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,925Additional noninterest income
  • $3,132Total noninterest expense
  • $1,553Salaries and employee benefits
  • $490Premises and equipment expense
  • $1,089Additional noninterest expense
  • $1,008Pre-tax net operating income
  • -$137Securities gains (losses)
  • $0Applicable income taxes
  • $871Income before extraordinary items
  • $0Extraordinary gains - net
  • $871Net income attributable to bank
  • $0Net charge-offs
  • $871Cash dividends
  • $730Sale, conversion, retirement of capital stock, net
  • $395Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.53%Yield on earning assets
  • 1.55%Cost of funding earning assets
  • 3.98%Net interest margin
  • 3.14%Noninterest income to earning assets
  • 4.78%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 7.73%Return on equity (ROE)
  • 4.23%Retained earnings to average equity (YTD only)
  • 1.57%Net charge-offs to loans
  • 72.88%Credit loss provision to net charge-offs
  • 2.11%Efficiency ratio
  • 67,038Assets per employee
  • 2.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.35%Loss allowance to loans
  • 2.57%Loss allowance to noncurrent loans
  • 102.59%Noncurrent assets plus other real estate owned to assets
  • 7.40%Noncurrent loans to loans
  • 2.50%Net loans and leases to deposits
  • 70.04%Net loans and leases to core deposits
  • 72.57%Equity capital to assets
  • 13.74%Core capital (leverage) ratio
  • 13.79%Tier 1 risk-based capital ratio
  • 18.85%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $80,710Average earning assets
  • $11,265Average equity
  • $65,565Average loans

List of branches

  • 3 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    047176First State Bank Of Northwest Arkans432 Madison 1650, Huntsville, AR 72740July 26, 1991Full Service Brick and Mortar
    4433026Fayetteville Branch300 North College Avenue, Fayetteville, AR 72701October 18, 2004Full Service Brick and Mortar
    6516281West Main Street Branch312 West Main Street, Huntsville, AR 72740January 31, 2011Full Service Brick and Mortar

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