The Arkansas Bank in Walnut Ridge, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 10, 1999

  • The Arkansas Bank in Walnut Ridge, Arkansas (AR)
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The Arkansas Bank - Overview

  • General
  • FDIC Certificate #: 11251
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 792042
    Date Established: March 23, 1901
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    FDIC's unique #: 7179
    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 10, 1999
    Last Structure Change Process Date: October 13, 1999
    Last Data Update: October 13, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 212 West Walnut Street, Walnut Ridge, AR 72476
    County: Lawrence
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $63.8 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $67,181Total assets
  • $2,104Cash and due from depository institutions
  • $0Interest-bearing balances
  • $16,126Securities
  • $6,600Federal funds sold & reverse repurchase agreements
  • $39,306Net loans & leases
  • $407Loan loss allowance
  • $0Trading account assets
  • $940Bank premises and fixed assets
  • $74Other real estate owned
  • $812Goodwill and other intangibles
  • $0Life insurance assets
  • $1,219All other assets
  • $67,181Total liabilities and capital
  • $61,210Total liabilities
  • $60,662Total deposits
  • $51,548Interest-bearing deposits
  • $60,662Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $548All other liabilities
  • $5,971Total equity capital
  • $5,971Total bank equity capital
  • $5,971Perpetual preferred stock
  • $0Common stock
  • $50Surplus
  • $4,150Undivided profits
  • Memoranda
  • $1,771Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $125Earning assets
  • $0Long-term assets (5+ years)
  • $904Average Assets, year-to-date
  • $62,032Average Assets, quarterly
  • $775Volatile liabilities
  • $62,581Insider loans
  • $66,414FHLB advances
  • $7,082Loans and leases held for sale
  • $12Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,784Total unused commitments
  • $0Restructured Loans and leases
  • $41,848Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $4,655Total interest income
  • $2,157Total interest expense
  • $2,498Net interest income
  • $80Provision for loan and lease losses
  • $370Total noninterest income
  • $0Fiduciary activities
  • $272Service charges on deposit accounts
  • $0Trading account gains & fees
  • $98Additional noninterest income
  • $1,350Total noninterest expense
  • $556Salaries and employee benefits
  • $150Premises and equipment expense
  • $644Additional noninterest expense
  • $1,438Pre-tax net operating income
  • $1Securities gains (losses)
  • $495Applicable income taxes
  • $944Income before extraordinary items
  • $0Extraordinary gains - net
  • $944Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $86Sale, conversion, retirement of capital stock, net
  • $497Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.05%Yield on earning assets
  • 3.73%Cost of funding earning assets
  • 4.32%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.33%Noninterest expense to earning assets
  • 1.51%Net operating income to assets
  • 1.51%Return on assets (ROA)
  • 2.30%Pretax return on assets
  • 16.58%Return on equity (ROE)
  • 7.85%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 93.02%Credit loss provision to net charge-offs
  • 17.65%Efficiency ratio
  • 42,434Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.65%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 325.60%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.31%Net loans and leases to deposits
  • 64.80%Net loans and leases to core deposits
  • 73.36%Equity capital to assets
  • 8.89%Core capital (leverage) ratio
  • 7.83%Tier 1 risk-based capital ratio
  • 12.34%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $62,581Average earning assets
  • $5,692Average equity
  • $57,840Average loans

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