FDIC Certificate #: 85 Status: Inactive Federal Reserve ID: 538642 Date Established: April 07, 1911 WWW:http://www.madisonbt.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 65 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: January 01, 1934 Last Structure Change Effective Date: September 30, 2003 Last Structure Change Process Date: November 04, 2003 Last Data Update: November 04, 2003 Data Source Date: April 05, 2012
Location
Address: 101 Public Square, Kingston, AR 72742 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
Other Liquidations and Closings
Change in Insurance Status
Financial Summary
Total assets: $27.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
16Total employees (full-time equivalent)
$28,586Total assets
$790Cash and due from depository institutions
$0Interest-bearing balances
$5,877Securities
$975Federal funds sold & reverse repurchase agreements
$19,634Net loans & leases
$387Loan loss allowance
$0Trading account assets
$649Bank premises and fixed assets
$210Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$451All other assets
$28,586Total liabilities and capital
$25,987Total liabilities
$25,894Total deposits
$24,257Interest-bearing deposits
$25,894Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$93All other liabilities
$2,599Total equity capital
$2,599Total bank equity capital
$2,599Perpetual preferred stock
$0Common stock
$15Surplus
$1,921Undivided profits
Memoranda
$663Noncurrent loans and leases
$1,796Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$106Earning assets
$0Long-term assets (5+ years)
$235Average Assets, year-to-date
$26,486Average Assets, quarterly
$4,344Volatile liabilities
$32,530Insider loans
$29,453FHLB advances
$4,904Loans and leases held for sale
$845Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$235Total risk weighted assets
$1,796Total unused commitments
$0Restructured Loans and leases
$248Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$2,173Total interest income
$814Total interest expense
$1,359Net interest income
$273Provision for loan and lease losses
$198Total noninterest income
$0Fiduciary activities
$118Service charges on deposit accounts
$0Trading account gains & fees
$80Additional noninterest income
$1,606Total noninterest expense
$717Salaries and employee benefits
$274Premises and equipment expense
$615Additional noninterest expense
-$322Pre-tax net operating income
-$10Securities gains (losses)
-$86Applicable income taxes
-$246Income before extraordinary items
$0Extraordinary gains - net
-$246Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$259Sale, conversion, retirement of capital stock, net
$59Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.47%Yield on earning assets
2.80%Cost of funding earning assets
4.67%Net interest margin
0.68%Noninterest income to earning assets
5.52%Noninterest expense to earning assets
-0.73%Net operating income to assets
-0.76%Return on assets (ROA)
-1.02%Pretax return on assets
-8.85%Return on equity (ROE)
-10.97%Retained earnings to average equity (YTD only)
1.13%Net charge-offs to loans
105.41%Credit loss provision to net charge-offs
-0.19%Efficiency ratio
103,147Assets per employee
1.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
-23.98%Loss allowance to loans
1.93%Loss allowance to noncurrent loans
365.09%Noncurrent assets plus other real estate owned to assets
1.24%Noncurrent loans to loans
0.53%Net loans and leases to deposits
75.82%Net loans and leases to core deposits
93.54%Equity capital to assets
9.09%Core capital (leverage) ratio
8.61%Tier 1 risk-based capital ratio
13.05%Total risk-based capital ratio
Memoranda
$14Average assets
$32,530Average earning assets
$2,779Average equity
$29,105Average loans
Total Fiduciary and Related Assets (December 31, 2002)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$9,706Managed Assets
1Number of Accounts
$88Personal trust and agency accounts
$88Employee 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
28Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$9,618Other retirement accounts
$251Corporate trust and agency accounts
$7,859Other fiduciary accounts
$1,508Fiduciary accounts held in foreign offices
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