The First National Bank at Paris in Paris, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The First National Bank at Paris in Paris, Arkansas (AR)
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The First National Bank at Paris - Overview

  • General
  • FDIC Certificate #: 14534
    Status: Active
    Federal Reserve ID: 45047
    Bank Holding Company (Regulatory Top Holder): Union Bankshares, Inc. (RSSDID: 1099805, Location: Mena, AR)
    Date Established: September 01, 1891
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 9084
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: June 29, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Elm Streets, Paris, AR 72855
    County: Logan
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $119.1 mil
    Equity capital: $17.8 mil
    Deposits held in domestic offices: $100.9 mil
    Return on assets (ROA): 1.73% ($2.1 mil)
    Quarterly return on assets: 1.43% ($1.7 mil)
    Return on Equity (ROE): 11.49% ($2.1 mil)
    Quarterly return on equity: 9.41% ($1.7 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.73% ($2,059.9 mil)
    Quarterly Pretax return on assets: 1.43% ($1,702.7 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
  • 40Total employees (full-time equivalent)
  • $119,071Total assets
  • $14,463Cash and due from depository institutions
  • $10,543Interest-bearing balances
  • $8,521Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $84,580Net loans & leases
  • $1,646Loan loss allowance
  • $0Trading account assets
  • $3,707Bank premises and fixed assets
  • $325Other real estate owned
  • $5,482Goodwill and other intangibles
  • $119,071Life insurance assets
  • $1,993All other assets
  • $101,227Total liabilities and capital
  • $100,866Total liabilities
  • $82,486Total deposits
  • $100,866Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $361Subordinated debt
  • $17,844All other liabilities
  • $17,844Total equity capital
  • $17,844Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $15,971Surplus
  • $1,673Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $335Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $874Income earned, not collected on loans
  • $0Earning assets
  • $794Long-term assets (5+ years)
  • $103,644Average Assets, year-to-date
  • $24,263Average Assets, quarterly
  • $120,672Volatile liabilities
  • $119,278Insider loans
  • $75,065FHLB advances
  • $113,901Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,216Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,127Restructured Loans and leases
  • $569Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,166Total interest income
  • $728Total interest expense
  • $5,438Net interest income
  • $464Provision for loan and lease losses
  • $1,410Total noninterest income
  • $0Fiduciary activities
  • $1,095Service charges on deposit accounts
  • $0Trading account gains & fees
  • $315Additional noninterest income
  • $4,298Total noninterest expense
  • $2,338Salaries and employee benefits
  • $423Premises and equipment expense
  • $1,537Additional noninterest expense
  • $2,086Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,086Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,086Net income attributable to bank
  • $0Net charge-offs
  • $2,086Cash dividends
  • $308Sale, conversion, retirement of capital stock, net
  • $2,041Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.84%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 5.15%Net interest margin
  • 1.34%Noninterest income to earning assets
  • 4.07%Noninterest expense to earning assets
  • 1.73%Net operating income to assets
  • 1.73%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 11.49%Return on equity (ROE)
  • 0.25%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 150.65%Credit loss provision to net charge-offs
  • 8.28%Efficiency ratio
  • 60,456Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 97.84%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 188.33%Noncurrent assets plus other real estate owned to assets
  • 1.01%Noncurrent loans to loans
  • 1.01%Net loans and leases to deposits
  • 83.85%Net loans and leases to core deposits
  • 89.26%Equity capital to assets
  • 14.99%Core capital (leverage) ratio
  • 10.73%Tier 1 risk-based capital ratio
  • 16.27%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $120,672Average earning assets
  • $18,159Average equity
  • $105,495Average loans

List of branches

  • 4 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09084The First National Bank At ParisMain And Elm Streets, Paris, AR 72855September 01, 1891Full Service Brick and Mortar
    1231657Caulksville-Ratcliff Branch8935 W State Hwy 22, Caulksville, AR 72951November 01, 1965Full Service Brick and Mortar
    2271921Waldron Branch934 West Second Street, Waldron, AR 72958June 01, 1934Full Service Brick and Mortar
    3356487Booneville Branch480 East Main, Booneville, AR 72927June 12, 2000Full Service Brick and Mortar

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