The Bank of North Arkansas in Melbourne, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 01, 2000

  • The Bank of North Arkansas in Melbourne, Arkansas (AR)
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The Bank of North Arkansas - Overview

  • General
  • FDIC Certificate #: 1530
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BancorpSouth Bank (#11813)
    Federal Reserve ID: 19749
    Date Established: July 29, 1896
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 12607
    FDIC's unique #: 1009
    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 01, 2000
    Last Structure Change Process Date: September 11, 2000
    Last Data Update: September 11, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Spring Streets, Melbourne, AR 72556
    County: Izard
    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
  • Financial Summary
  • Total assets: $84.0 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, 1999)

  • Dollar figures in thousands
  • 32Total employees (full-time equivalent)
  • $82,257Total assets
  • $3,790Cash and due from depository institutions
  • $3Interest-bearing balances
  • $15,234Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $60,127Net loans & leases
  • $796Loan loss allowance
  • $0Trading account assets
  • $1,562Bank premises and fixed assets
  • $264Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,280All other assets
  • $82,257Total liabilities and capital
  • $75,596Total liabilities
  • $72,625Total deposits
  • $59,917Interest-bearing deposits
  • $72,625Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,550Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $421All other liabilities
  • $6,661Total equity capital
  • $6,661Total bank equity capital
  • $6,661Perpetual preferred stock
  • $0Common stock
  • $2,000Surplus
  • $425Undivided profits
  • Memoranda
  • $4,236Noncurrent loans and leases
  • $4,161Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $242Earning assets
  • $0Long-term assets (5+ years)
  • $475Average Assets, year-to-date
  • $75,364Average Assets, quarterly
  • $8,088Volatile liabilities
  • $78,816Insider loans
  • $80,742FHLB advances
  • $11,866Loans and leases held for sale
  • $641Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,161Total unused commitments
  • $0Restructured Loans and leases
  • $684Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $6,079Total interest income
  • $2,444Total interest expense
  • $3,635Net interest income
  • $180Provision for loan and lease losses
  • $476Total noninterest income
  • $0Fiduciary activities
  • $288Service charges on deposit accounts
  • $0Trading account gains & fees
  • $188Additional noninterest income
  • $1,983Total noninterest expense
  • $904Salaries and employee benefits
  • $338Premises and equipment expense
  • $741Additional noninterest expense
  • $1,948Pre-tax net operating income
  • $2Securities gains (losses)
  • $646Applicable income taxes
  • $1,304Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,304Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $47Sale, conversion, retirement of capital stock, net
  • $900Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.29%Yield on earning assets
  • 3.33%Cost of funding earning assets
  • 4.96%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 1.65%Net operating income to assets
  • 1.65%Return on assets (ROA)
  • 2.47%Pretax return on assets
  • 19.10%Return on equity (ROE)
  • 5.92%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 382.98%Credit loss provision to net charge-offs
  • 45.28%Efficiency ratio
  • 48,236Assets per employee
  • 2.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.02%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 328.93%Noncurrent assets plus other real estate owned to assets
  • 0.62%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 82.79%Net loans and leases to core deposits
  • 94.97%Equity capital to assets
  • 8.10%Core capital (leverage) ratio
  • 8.62%Tier 1 risk-based capital ratio
  • 12.63%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $78,816Average earning assets
  • $6,827Average equity
  • $73,348Average loans

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