River Town Bank in Dardanelle, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

River Town Bank - Overview

  • General
  • FDIC Certificate #: 14749
    Status: Active
    Federal Reserve ID: 639343
    Bank Holding Company (Regulatory Top Holder): Bank Of Dardanelle Bankshares, Inc. (RSSDID: 1134546, Location: Dardanelle, AR)
    Date Established: January 01, 1934
    WWW: http://www.rivertownbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    FDIC's unique #: 9226
    Numeric code: 21
    Regulator: FDIC
    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: Commercial Lending Specialization
    Date of Deposit Insurance: September 20, 1934
    Last Structure Change Effective Date: August 14, 2006
    Last Structure Change Process Date: September 18, 2006
    Last Data Update: September 18, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 North Front Street, Dardanelle, AR 72834
    County: Yell
    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): Russellville, AR (#40780)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $171.4 mil
    Equity capital: $18.9 mil
    Deposits held in domestic offices: $142.4 mil
    Return on assets (ROA): 0.63% ($1.1 mil)
    Quarterly return on assets: 0.27% ($0.5 mil)
    Return on Equity (ROE): 5.91% ($1.1 mil)
    Quarterly return on equity: 2.49% ($0.5 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.00% ($1,713.6 mil)
    Quarterly Pretax return on assets: 0.31% ($531.2 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
  • 65Total employees (full-time equivalent)
  • $171,359Total assets
  • $29,559Cash and due from depository institutions
  • $26,575Interest-bearing balances
  • $4,833Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $124,501Net loans & leases
  • $2,474Loan loss allowance
  • $0Trading account assets
  • $6,812Bank premises and fixed assets
  • $1,290Other real estate owned
  • $123Goodwill and other intangibles
  • $171,359Life insurance assets
  • $4,241All other assets
  • $152,434Total liabilities and capital
  • $142,439Total liabilities
  • $116,957Total deposits
  • $142,439Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,305Trading liabilities
  • $0Other borrowed funds
  • $690Subordinated debt
  • $18,925All other liabilities
  • $18,925Total equity capital
  • $18,925Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,634Surplus
  • $17,091Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $229Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,624Income earned, not collected on loans
  • $0Earning assets
  • $1,070Long-term assets (5+ years)
  • $155,909Average Assets, year-to-date
  • $8,319Average Assets, quarterly
  • $174,641Volatile liabilities
  • $173,205Insider loans
  • $120,901FHLB advances
  • $172,761Loans and leases held for sale
  • $1,010Unused loan commitments
  • $1,010Tier 1 (core) risk-based capital
  • $18,802Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,765Restructured Loans and leases
  • $365Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,299Total interest income
  • $1,717Total interest expense
  • $7,582Net interest income
  • $935Provision for loan and lease losses
  • $893Total noninterest income
  • $0Fiduciary activities
  • $596Service charges on deposit accounts
  • $0Trading account gains & fees
  • $297Additional noninterest income
  • $5,802Total noninterest expense
  • $2,863Salaries and employee benefits
  • $814Premises and equipment expense
  • $2,125Additional noninterest expense
  • $1,738Pre-tax net operating income
  • $0Securities gains (losses)
  • $638Applicable income taxes
  • $1,100Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,100Net income attributable to bank
  • $0Net charge-offs
  • $1,100Cash dividends
  • $212Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.87%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 4.79%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 5.91%Return on equity (ROE)
  • 4.84%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 441.04%Credit loss provision to net charge-offs
  • 12.61%Efficiency ratio
  • 67,457Assets per employee
  • 2.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.18%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 53.50%Noncurrent assets plus other real estate owned to assets
  • 3.45%Noncurrent loans to loans
  • 3.64%Net loans and leases to deposits
  • 87.41%Net loans and leases to core deposits
  • 89.88%Equity capital to assets
  • 11.04%Core capital (leverage) ratio
  • 10.88%Tier 1 risk-based capital ratio
  • 15.55%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $174,641Average earning assets
  • $18,602Average equity
  • $158,435Average loans

List of branches

  • 9 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09226River Town Bank102 North Front Street, Dardanelle, AR 72834January 01, 1934Full Service Brick and Mortar
    1232068Thomas V. Jones Branch314 Union Street, Dardanelle, AR 72834September 16, 1974Full Service Brick and Mortar
    2232069Parkway Branch110 East D Parkway, Russellville, AR 72801August 07, 1995Full Service Brick and Mortar
    4271923Cleveland BranchCleveland & Highway 10 East, Danville, AR 72833June 01, 1934Full Service Brick and Mortar
    5232070Dover Branch9249 Sr 7 North, Dover, AR 72837October 19, 1998Full Service Brick and Mortar
    6357233Atkins Branch1511 North Church, Atkins, AR 72823Febuary 19, 1999Full Service Brick and Mortar
    7360594Skyline Branch3201 West Main, Russellville, AR 72801January 16, 2001Full Service Brick and Mortar
    8448935Oak Street Branch1900 East Oak Street, Conway, AR 72032March 06, 2006Full Service Brick and Mortar
    9474317Hogan Lane Branch490 Hogan Lane, Conway, AR 72034April 16, 2008Full Service Brick and Mortar

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