Helena National Bank in Helena, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Helena National Bank - Overview

  • General
  • FDIC Certificate #: 15729
    Status: Active
    Federal Reserve ID: 335346
    Bank Holding Company (Regulatory Top Holder): Helena Bancshares, Inc. (RSSDID: 1129494, Location: Helena, AR)
    Date Established: April 01, 1940
    WWW: http://www.hnb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12410
    FDIC's unique #: 9988
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: April 01, 1940
    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: 302 Cherry Street, Helena, AR 72342
    County: Phillips
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Helena-West Helena, AR (#25760)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $175.4 mil
    Equity capital: $24.9 mil
    Deposits held in domestic offices: $149.9 mil
    Return on assets (ROA): 0.94% ($1.6 mil)
    Quarterly return on assets: 0.80% ($1.4 mil)
    Return on Equity (ROE): 6.90% ($1.7 mil)
    Quarterly return on equity: 5.69% ($1.4 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.18% ($2,069.4 mil)
    Quarterly Pretax return on assets: 0.97% ($1,701.1 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
  • 53Total employees (full-time equivalent)
  • $175,369Total assets
  • $36,326Cash and due from depository institutions
  • $33,492Interest-bearing balances
  • $56,242Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,523Net loans & leases
  • $1,673Loan loss allowance
  • $0Trading account assets
  • $1,819Bank premises and fixed assets
  • $655Other real estate owned
  • $0Goodwill and other intangibles
  • $175,369Life insurance assets
  • $8,804All other assets
  • $150,430Total liabilities and capital
  • $149,931Total liabilities
  • $115,831Total deposits
  • $149,931Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $499Subordinated debt
  • $24,939All other liabilities
  • $24,939Total equity capital
  • $24,939Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $725Surplus
  • $23,714Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,371Income earned, not collected on loans
  • $0Earning assets
  • $1,273Long-term assets (5+ years)
  • $161,257Average Assets, year-to-date
  • $51,757Average Assets, quarterly
  • $175,108Volatile liabilities
  • $176,766Insider loans
  • $93,439FHLB advances
  • $174,521Loans and leases held for sale
  • $6,357Unused loan commitments
  • $4,184Tier 1 (core) risk-based capital
  • $24,289Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,173Total unused commitments
  • $7,852Restructured Loans and leases
  • $1,618Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,582Total interest income
  • $768Total interest expense
  • $6,814Net interest income
  • $745Provision for loan and lease losses
  • $985Total noninterest income
  • $15Fiduciary activities
  • $600Service charges on deposit accounts
  • $0Trading account gains & fees
  • $370Additional noninterest income
  • $5,016Total noninterest expense
  • $2,786Salaries and employee benefits
  • $637Premises and equipment expense
  • $1,593Additional noninterest expense
  • $2,038Pre-tax net operating income
  • $26Securities gains (losses)
  • $423Applicable income taxes
  • $1,641Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,641Net income attributable to bank
  • $0Net charge-offs
  • $1,641Cash dividends
  • $350Sale, conversion, retirement of capital stock, net
  • $523Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.08%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 6.90%Return on equity (ROE)
  • 4.70%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 212.86%Credit loss provision to net charge-offs
  • 7.95%Efficiency ratio
  • 64,316Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.87%Loss allowance to loans
  • 2.29%Loss allowance to noncurrent loans
  • 122.03%Noncurrent assets plus other real estate owned to assets
  • 1.16%Noncurrent loans to loans
  • 1.87%Net loans and leases to deposits
  • 47.70%Net loans and leases to core deposits
  • 53.64%Equity capital to assets
  • 14.22%Core capital (leverage) ratio
  • 13.92%Tier 1 risk-based capital ratio
  • 25.99%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $175,108Average earning assets
  • $23,769Average equity
  • $162,671Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $5,109Managed Assets
  • 1Number of Accounts
  • $5,109Personal trust and agency accounts
  • $609Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $4,500Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number 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
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 6 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09988Helena National Bank302 Cherry Street, Helena, AR 72342April 01, 1940Full Service Brick and Mortar
    1235098Mid City Branch623 Oakland Avenue, Helena, AR 72342May 14, 1973Full Service Brick and Mortar
    2235099West BranchHighway 49, West Helena, AR 72342July 01, 1985Full Service Brick and Mortar
    39880Marvell BranchHighway 49 West, Marvell, AR 72366April 20, 1903Full Service Brick and Mortar
    4447862Marion Branch2770 Highway 77, Marion, AR 72364December 05, 2005Full Service Brick and Mortar
    5479822Wynne Branch1812 North Falls Boulevard, Wynne, AR 72396June 02, 2008Full Service Brick and Mortar

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