Pulaski Bank and Trust Company in Little Rock, Arkansas (AR)



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Pulaski Bank and Trust Company
GeneralFDIC Certificate #: 17562
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: IBERIABANK fsb (#33538)
Federal Reserve ID: 1146
Date Established: March 17, 1956
WWW: http://www.pulaskibank.com
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 13 (Interstate: No)
OTS Docket #: 8980
FDIC's unique #: 11536
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: March 17, 1956
Last Structure Change Effective Date: April 23, 2007
Last Structure Change Process Date: April 30, 2007
Last Data Update: April 30, 2007
Data Source Date: April 05, 2012
LocationAddress: 5800 R Street, Little Rock, AR 72207
County: Pulaski
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): Little Rock-North Little Rock, AR (#4400)
Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340)
Core Based Statistical Area (CBSA): Little Rock-North Little Rock-Conway, AR (#30780)
CBSA Metro Statistical Area: Little Rock-North Little Rock-Conway, AR (#30780)
Financial SummaryTotal assets: $630.4 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, 2006)
(Dollar figures in thousands)
Total employees (full-time equivalent)515
Total assets$499,416
Cash and due from depository institutions$18,657
Interest-bearing balances$207
Securities$48,921
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$391,721
Loan loss allowance $4,711
Trading account assets$0
Bank premises and fixed assets$24,249
Other real estate owned$572
Goodwill and other intangibles$675
All other assets$14,621
Life insurance assets$0
Total liabilities and capital$499,416
Total liabilities$460,162
Total deposits$422,782
Interest-bearing deposits$352,932
Deposits held in domestic offices$422,782
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $24,653
Subordinated debt $6,000
All other liabilities $6,727
Total equity capital$39,254
Total bank equity capital$39,254
Perpetual preferred stock$39,254
Common stock$0
Surplus$19
Undivided profits $8,854
Memoranda
Noncurrent loans and leases $30,381
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $105,076
Income earned, not collected on loans $0
Earning assets $7,564
Long-term assets (5+ years) $0
Average Assets, year-to-date $1,649
Average Assets, quarterly $440,849
Volatile liabilities $41,522
Insider loans $489,291
FHLB advances $500,634
Loans and leases held for sale $62,423
Unused loan commitments $838
Tier 1 (core) risk-based capital $24,653
Tier 2 risk-based capital $5,179
Total risk weighted assets $41,459
Total unused commitments $105,076
Restructured Loans and leases $0
Derivatives$10,700
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Income and Expense (December 31, 2006)
(Dollar figures in thousands)
Total interest income $32,760
Total interest expense $13,243
Net interest income $19,517
Provision for loan and lease losses $750
Total noninterest income $31,067
Fiduciary activities $922
Service charges on deposit accounts $2,224
Trading account gains & fees $0
Additional noninterest income $27,921
Total noninterest expense $46,163
Salaries and employee benefits $28,591
Premises and equipment expense $7,768
Additional noninterest expense $9,804
Pre-tax net operating income $3,671
Securities gains (losses) $0
Applicable income taxes $1,207
Income before extraordinary items $2,464
Extraordinary gains - net $0
Net income attributable to bank $2,464
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $383
Net operating income $1,595
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Performance and Condition Ratios (December 31, 2006)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets7.66%
Cost of funding earning assets 3.09%
Net interest margin 4.56%
Noninterest income to earning assets 7.26%
Noninterest expense to earning assets 10.79%
Net operating income to assets 0.50%
Return on assets (ROA) 0.50%
Pretax return on assets 0.75%
Return on equity (ROE) 6.32%
Retained earnings to average equity (YTD only) 2.23%
Net charge-offs to loans 0.10%
Credit loss provision to net charge-offs 195.82%
Efficiency ratio11.54%
Assets per employee$91,256
Cash dividends to net income (YTD only)0.97%
Condition Ratios (%)
Loss allowance to loans 64.73%
Loss allowance to noncurrent loans 1.19%
Noncurrent assets plus other real estate owned to assets 62.28%
Noncurrent loans to loans 1.63%
Net loans and leases to deposits1.91%
Net loans and leases to core deposits 92.65%
Equity capital to assets 108.70%
Core capital (leverage) ratio 7.86%
Tier 1 risk-based capital ratio 7.99%
Total risk-based capital ratio 10.37%
Memoranda
Average assets$13
Average earning assets$489,291
Average equity $39,014
Average loans $427,895
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Total Fiduciary and Related Assets (December 31, 2006)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$105,298
Number of Accounts1
Personal trust and agency accounts$75,333
Employee benefit-defined contribution accounts$59,651
Employee benefit-defined benefit accounts$4,461
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$11,221
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts287
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$29,965
Corporate trust and agency accounts$7,903
Other fiduciary accounts$2,221
Fiduciary accounts held in foreign offices$19,841
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