Fordyce Bank & Trust Co. in Fordyce, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Fordyce Bank & Trust Co. in Fordyce, Arkansas (AR)
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Fordyce Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 1028
    Status: Active
    Federal Reserve ID: 314444
    Bank Holding Company (Regulatory Top Holder): Fbt Bancshares, Inc. (RSSDID: 1099092, Location: Fordyce, AR)
    Date Established: January 06, 1931
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 11303
    FDIC's unique #: 684
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 10, 2011
    Last Structure Change Process Date: June 20, 2011
    Last Data Update: June 20, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 West Fourth Street, Fordyce, AR 71742
    County: Dallas
    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 Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $123.2 mil
    Equity capital: $13.7 mil
    Deposits held in domestic offices: $93.2 mil
    Return on assets (ROA): 0.90% ($1.1 mil)
    Quarterly return on assets: 0.23% ($0.3 mil)
    Return on Equity (ROE): 8.63% ($1.2 mil)
    Quarterly return on equity: 2.11% ($0.3 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.07% ($1,318.1 mil)
    Quarterly Pretax return on assets: 0.02% ($24.6 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
  • 40Total employees (full-time equivalent)
  • $123,188Total assets
  • $7,265Cash and due from depository institutions
  • $4,394Interest-bearing balances
  • $54,682Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $54,082Net loans & leases
  • $1,538Loan loss allowance
  • $0Trading account assets
  • $2,434Bank premises and fixed assets
  • $80Other real estate owned
  • $0Goodwill and other intangibles
  • $123,188Life insurance assets
  • $4,645All other assets
  • $109,499Total liabilities and capital
  • $93,182Total liabilities
  • $74,684Total deposits
  • $93,182Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,550Trading liabilities
  • $0Other borrowed funds
  • $767Subordinated debt
  • $13,689All other liabilities
  • $13,689Total equity capital
  • $13,689Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $1,800Surplus
  • $11,889Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $836Income earned, not collected on loans
  • $0Earning assets
  • $732Long-term assets (5+ years)
  • $113,158Average Assets, year-to-date
  • $59,753Average Assets, quarterly
  • $122,735Volatile liabilities
  • $123,702Insider loans
  • $66,524FHLB advances
  • $116,899Loans and leases held for sale
  • $2,284Unused loan commitments
  • $2,284Tier 1 (core) risk-based capital
  • $12,830Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,193Restructured Loans and leases
  • $742Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,764Total interest income
  • $1,175Total interest expense
  • $4,589Net interest income
  • $0Provision for loan and lease losses
  • $1,125Total noninterest income
  • $0Fiduciary activities
  • $679Service charges on deposit accounts
  • $0Trading account gains & fees
  • $446Additional noninterest income
  • $4,514Total noninterest expense
  • $2,479Salaries and employee benefits
  • $555Premises and equipment expense
  • $1,480Additional noninterest expense
  • $1,200Pre-tax net operating income
  • $112Securities gains (losses)
  • $206Applicable income taxes
  • $1,106Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,106Net income attributable to bank
  • $0Net charge-offs
  • $1,106Cash dividends
  • $32Sale, conversion, retirement of capital stock, net
  • $340Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 4.09%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 8.63%Return on equity (ROE)
  • 5.98%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 37.50%Efficiency ratio
  • 78,999Assets per employee
  • 3.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.74%Loss allowance to loans
  • 2.77%Loss allowance to noncurrent loans
  • 183.97%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 1.50%Net loans and leases to deposits
  • 58.04%Net loans and leases to core deposits
  • 60.02%Equity capital to assets
  • 11.11%Core capital (leverage) ratio
  • 10.98%Tier 1 risk-based capital ratio
  • 19.29%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $122,735Average earning assets
  • $12,813Average equity
  • $112,287Average 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
  • $1,199Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee 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
  • 4Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,199Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $121Fiduciary accounts held in foreign offices

List of branches

  • 5 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0684Fordyce Bank & Trust Co.200 West Fourth Street, Fordyce, AR 71742January 06, 1931Full Service Brick and Mortar
    3187721Northwest BranchUpton Drive And U.S. Highway 79-167, Fordyce, AR 71742Febuary 20, 1987Limited Service Facility
    4187722Rison Branch103 West Magnolia, Rison, AR 71665October 24, 1994Full Service Brick and Mortar
    5362585White Hall Financial Branch7199 Sheridan Road, White Hall, AR 71602October 15, 2001Full Service Brick and Mortar
    6438883Watson Chapel Financial Center3404 Camden Road, Pine Bluff, AR 71603January 25, 2005Full Service Brick and Mortar

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