River Town Bank in city_name, state_name - Detailed Financial Reports, Location

River Town Bank in Dardanelle, Arkansas (AR)
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River Town Bank routing number info

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

No	ID	Name	Address	Established	Service Type
0	9226	River Town Bank	102 North Front Street, Dardanelle, AR 72834	January 01, 1934	Full Service Brick and Mortar
1	232068	Thomas V. Jones Branch	314 Union Street, Dardanelle, AR 72834	September 16, 1974	Full Service Brick and Mortar
2	232069	Parkway Branch	110 East D Parkway, Russellville, AR 72801	August 07, 1995	Full Service Brick and Mortar
4	271923	Cleveland Branch	Cleveland & Highway 10 East, Danville, AR 72833	June 01, 1934	Full Service Brick and Mortar
5	232070	Dover Branch	9249 Sr 7 North, Dover, AR 72837	October 19, 1998	Full Service Brick and Mortar
6	357233	Atkins Branch	1511 North Church, Atkins, AR 72823	Febuary 19, 1999	Full Service Brick and Mortar
7	360594	Skyline Branch	3201 West Main, Russellville, AR 72801	January 16, 2001	Full Service Brick and Mortar
8	448935	Oak Street Branch	1900 East Oak Street, Conway, AR 72032	March 06, 2006	Full Service Brick and Mortar
9	474317	Hogan Lane Branch	490 Hogan Lane, Conway, AR 72034	April 16, 2008	Full Service Brick and Mortar

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

River Town Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

River Town Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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