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

  • Pine Bluff National Bank in Pine Bluff, Arkansas (AR)
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Pine Bluff National Bank - Overview

  • General
  • FDIC Certificate #: 19371
    Status: Active
    Federal Reserve ID: 49241
    Bank Holding Company (Regulatory Top Holder): Jefferson Bancshares, Inc. (RSSDID: 2267665, Location: Pine Bluff, AR)
    Date Established: Febuary 11, 1965
    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: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 11395
    FDIC's unique #: 13179
    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: Febuary 11, 1965
    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: 912 South Poplar Street, Pine Bluff, AR 71611
    County: Jefferson
    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
    Metropolitan Statistical Area (MSA): Pine Bluff, AR (#6240)
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $386.2 mil
    Equity capital: $47.6 mil
    Deposits held in domestic offices: $333.5 mil
    Return on assets (ROA): 1.36% ($5.2 mil)
    Quarterly return on assets: 1.25% ($4.8 mil)
    Return on Equity (ROE): 11.32% ($5.4 mil)
    Quarterly return on equity: 10.44% ($5.0 mil)
    Net income: $5.2 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 2.10% ($8,111.1 mil)
    Quarterly Pretax return on assets: 1.89% ($7,300.0 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
  • 126Total employees (full-time equivalent)
  • $386,241Total assets
  • $30,536Cash and due from depository institutions
  • $25,530Interest-bearing balances
  • $71,303Securities
  • $9,600Federal funds sold & reverse repurchase agreements
  • $247,897Net loans & leases
  • $4,137Loan loss allowance
  • $0Trading account assets
  • $8,405Bank premises and fixed assets
  • $1,927Other real estate owned
  • $0Goodwill and other intangibles
  • $386,241Life insurance assets
  • $16,573All other assets
  • $338,673Total liabilities and capital
  • $333,458Total liabilities
  • $266,916Total deposits
  • $333,458Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $942Trading liabilities
  • $0Other borrowed funds
  • $4,273Subordinated debt
  • $47,568All other liabilities
  • $47,568Total equity capital
  • $47,568Total bank equity capital
  • $0Perpetual preferred stock
  • $2,132Common stock
  • $39,213Surplus
  • $6,223Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,943Income earned, not collected on loans
  • $0Earning assets
  • $4,786Long-term assets (5+ years)
  • $354,330Average Assets, year-to-date
  • $19,897Average Assets, quarterly
  • $385,630Volatile liabilities
  • $394,734Insider loans
  • $300,257FHLB advances
  • $389,891Loans and leases held for sale
  • $7,777Unused loan commitments
  • $5,868Tier 1 (core) risk-based capital
  • $46,575Tier 2 risk-based capital
  • $1,909Total risk weighted assets
  • $0Total unused commitments
  • $36,760Restructured Loans and leases
  • $6,837Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,712Total interest income
  • $2,329Total interest expense
  • $16,383Net interest income
  • $783Provision for loan and lease losses
  • $5,606Total noninterest income
  • $746Fiduciary activities
  • $2,938Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,922Additional noninterest income
  • $13,116Total noninterest expense
  • $7,443Salaries and employee benefits
  • $1,680Premises and equipment expense
  • $3,993Additional noninterest expense
  • $8,090Pre-tax net operating income
  • $21Securities gains (losses)
  • $2,881Applicable income taxes
  • $5,230Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,230Net income attributable to bank
  • $0Net charge-offs
  • $5,230Cash dividends
  • $378Sale, conversion, retirement of capital stock, net
  • $2,625Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 4.63%Net interest margin
  • 1.58%Noninterest income to earning assets
  • 3.70%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 2.10%Pretax return on assets
  • 11.32%Return on equity (ROE)
  • 5.64%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 207.14%Credit loss provision to net charge-offs
  • 23.47%Efficiency ratio
  • 59,648Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.19%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 59.59%Noncurrent assets plus other real estate owned to assets
  • 2.30%Noncurrent loans to loans
  • 2.75%Net loans and leases to deposits
  • 74.34%Net loans and leases to core deposits
  • 89.11%Equity capital to assets
  • 12.32%Core capital (leverage) ratio
  • 11.95%Tier 1 risk-based capital ratio
  • 15.51%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $385,630Average earning assets
  • $46,196Average equity
  • $354,050Average 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
  • $101,651Managed Assets
  • 1Number of Accounts
  • $77,068Personal trust and agency accounts
  • $23,009Employee benefit-defined contribution accounts
  • $1,136Employee benefit-defined benefit accounts
  • $1,931Other retirement accounts
  • $1,006Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $45,511Other fiduciary accounts
  • $4,475Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 427Number of Accounts
  • $0Personal trust and agency accounts
  • $1,006Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $24,583Other retirement accounts
  • $340Corporate trust and agency accounts
  • $7,351Other fiduciary accounts
  • $16,878Fiduciary accounts held in foreign offices

List of branches

  • 8 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013179Pine Bluff National Bank912 South Poplar Street, Pine Bluff, AR 71611Febuary 11, 1965Full Service Brick and Mortar
    1248070Whitehall Branch7907 Dollarway Road, Whitehall, AR 71601July 05, 1972Full Service Brick and Mortar
    2248071Watson Chapel Branch2511 Camden Road, Pine Bluff, AR 71603May 25, 1979Full Service Brick and Mortar
    3248072East Harding Branch1501 East Harding Avenue, Pine Bluff, AR 71601November 30, 1981Full Service Brick and Mortar
    4248073Redfield Branch201 Sheridan Road, Redfield, AR 72132September 19, 1988Full Service Brick and Mortar
    52881792804 Hazel Street Branch2804 Hazel Street, Pine Bluff, AR 71603December 05, 1986Full Service Brick and Mortar
    6248074Star City Branch102 South Lincoln St, Star City, AR 71667June 01, 1999Full Service Brick and Mortar
    8442517Olive Street Branch5503 Olive Street, Pine Bluff, AR 71603April 01, 2005Full Service Brick and Mortar

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