The First National Bank in Green Forest in Green Forest, Arkansas (AR)

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The First National Bank in Green Forest routing number info

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The First National Bank in Green Forest
GeneralFDIC Certificate #: 3869
Status: Active
Federal Reserve ID: 261940
Bank Holding Company (Regulatory Top Holder): First National Bancorp, Inc. (RSSDID: 2619349, Location: Green Forest, AR)
Date Established: May 04, 1931
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 11777
FDIC's unique #: 2522
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: January 01, 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
LocationAddress: 100 First National Avenue, Green Forest, AR 72638
County: Carroll
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $365.6 mil
Equity capital: $38.4 mil
Deposits held in domestic offices: $321.8 mil
Return on assets (ROA): 1.44% ($5.3 mil)
Quarterly return on assets: 1.68% ($6.1 mil)
Return on Equity (ROE): 14.01% ($5.3 mil)
Quarterly return on equity: 16.09% ($6.1 mil)
Net income: $5.2 mil
Quarterly Net income: $1.5 mil
Pretax return on assets: 1.44% ($5,264.0 mil)
Quarterly Pretax return on assets: 1.68% ($6,141.3 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)
Total employees (full-time equivalent)89
Total assets$365,554
Cash and due from depository institutions$13,267
Interest-bearing balances$3,078
Federal funds sold & reverse repurchase agreements$18,475
Net loans & leases$209,371
Loan loss allowance $2,938
Trading account assets$0
Bank premises and fixed assets$6,192
Other real estate owned$6,183
Goodwill and other intangibles$650
All other assets$12,696
Life insurance assets$365,554
Total liabilities and capital$327,183
Total liabilities$321,843
Total deposits$296,934
Interest-bearing deposits$321,843
Deposits held in domestic offices$85
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,699
Other borrowed funds $0
Subordinated debt $2,641
All other liabilities $38,371
Total equity capital$38,371
Total bank equity capital$38,371
Perpetual preferred stock$0
Common stock$300
Undivided profits $37,221
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5,615
Earning assets $921
Long-term assets (5+ years) $2,367
Average Assets, year-to-date $329,644
Average Assets, quarterly $60,532
Volatile liabilities $360,667
Insider loans $365,308
FHLB advances $246,011
Loans and leases held for sale $364,369
Unused loan commitments $6,614
Tier 1 (core) risk-based capital $6,614
Tier 2 risk-based capital $37,559
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $28,511
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $16,061
Total interest expense $3,139
Net interest income $12,922
Provision for loan and lease losses $411
Total noninterest income $1,945
Fiduciary activities $0
Service charges on deposit accounts $973
Trading account gains & fees $0
Additional noninterest income $972
Total noninterest expense $9,250
Salaries and employee benefits $5,057
Premises and equipment expense $833
Additional noninterest expense $3,360
Pre-tax net operating income $5,206
Securities gains (losses) -$8
Applicable income taxes $1
Income before extraordinary items $5,197
Extraordinary gains - net $0
Net income attributable to bank $5,197
Net charge-offs $0
Cash dividends $5,197
Sale, conversion, retirement of capital stock, net $348
Net operating income $3,700
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.93%
Cost of funding earning assets 0.96%
Net interest margin 3.96%
Noninterest income to earning assets 0.60%
Noninterest expense to earning assets 2.84%
Net operating income to assets 1.44%
Return on assets (ROA) 1.44%
Pretax return on assets 1.44%
Return on equity (ROE) 14.01%
Retained earnings to average equity (YTD only) 4.03%
Net charge-offs to loans 0.16%
Credit loss provision to net charge-offs 118.10%
Efficiency ratio16.14%
Assets per employee$62,218
Cash dividends to net income (YTD only)4.11%
Condition Ratios (%)
Loss allowance to loans 71.19%
Loss allowance to noncurrent loans 1.38%
Noncurrent assets plus other real estate owned to assets 52.32%
Noncurrent loans to loans 3.23%
Net loans and leases to deposits2.64%
Net loans and leases to core deposits 65.05%
Equity capital to assets 71.78%
Core capital (leverage) ratio 10.50%
Tier 1 risk-based capital ratio 10.31%
Total risk-based capital ratio 15.27%
Average assets$16
Average earning assets$360,667
Average equity $37,104
Average loans $326,037
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Total Fiduciary and Related Assets (December 31, 2007)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$99
Number of Accounts1
Personal trust and agency accounts$99
Employee benefit-defined contribution accounts$99
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts2
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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8 Arkansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02522The First National Bank In Green For100 First National Avenue, Green Forest, AR 72638May 04, 1931Full Service Brick and Mortar
1202052Auto Bank Branch303 West Main, Green Forest, AR 72638September 01, 1982Limited Service Facility
4202054Berryville Branch812 West Trimble, Berryville, AR 72616April 22, 1991Full Service Brick and Mortar
5202055Harrison Branch1106 Highway 65 North, Harrison, AR 72601May 31, 1994Full Service Brick and Mortar
6202056Harrison Branch - South702 Highway 62-65 South, Harrison, AR 72601November 21, 1997Full Service Brick and Mortar
7181016East Main Street Branch210 East Main Street, Huntsville, AR 72740Febuary 21, 1991Full Service Brick and Mortar
9423078Kingston Branch101 Public Square, Kingston, AR 72742September 26, 2003Full Service Brick and Mortar
10451453Jasper Branch400 East Court Street, Jasper, AR 72641April 13, 2006Full Service Brick and Mortar
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