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


The First National Bank in Green Forest - Overview

  • General
  • FDIC 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
    WWW: http://www.fnbgf.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 89Total employees (full-time equivalent)
  • $365,554Total assets
  • $13,267Cash and due from depository institutions
  • $3,078Interest-bearing balances
  • $98,720Securities
  • $18,475Federal funds sold & reverse repurchase agreements
  • $209,371Net loans & leases
  • $2,938Loan loss allowance
  • $0Trading account assets
  • $6,192Bank premises and fixed assets
  • $6,183Other real estate owned
  • $650Goodwill and other intangibles
  • $365,554Life insurance assets
  • $12,696All other assets
  • $327,183Total liabilities and capital
  • $321,843Total liabilities
  • $296,934Total deposits
  • $321,843Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,699Trading liabilities
  • $0Other borrowed funds
  • $2,641Subordinated debt
  • $38,371All other liabilities
  • $38,371Total equity capital
  • $38,371Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $850Surplus
  • $37,221Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,615Income earned, not collected on loans
  • $921Earning assets
  • $2,367Long-term assets (5+ years)
  • $329,644Average Assets, year-to-date
  • $60,532Average Assets, quarterly
  • $360,667Volatile liabilities
  • $365,308Insider loans
  • $246,011FHLB advances
  • $364,369Loans and leases held for sale
  • $6,614Unused loan commitments
  • $6,614Tier 1 (core) risk-based capital
  • $37,559Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,511Restructured Loans and leases
  • $850Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,061Total interest income
  • $3,139Total interest expense
  • $12,922Net interest income
  • $411Provision for loan and lease losses
  • $1,945Total noninterest income
  • $0Fiduciary activities
  • $973Service charges on deposit accounts
  • $0Trading account gains & fees
  • $972Additional noninterest income
  • $9,250Total noninterest expense
  • $5,057Salaries and employee benefits
  • $833Premises and equipment expense
  • $3,360Additional noninterest expense
  • $5,206Pre-tax net operating income
  • -$8Securities gains (losses)
  • $1Applicable income taxes
  • $5,197Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,197Net income attributable to bank
  • $0Net charge-offs
  • $5,197Cash dividends
  • $348Sale, conversion, retirement of capital stock, net
  • $3,700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 1.44%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 14.01%Return on equity (ROE)
  • 4.03%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 118.10%Credit loss provision to net charge-offs
  • 16.14%Efficiency ratio
  • 62,218Assets per employee
  • 4.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.19%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 52.32%Noncurrent assets plus other real estate owned to assets
  • 3.23%Noncurrent loans to loans
  • 2.64%Net loans and leases to deposits
  • 65.05%Net loans and leases to core deposits
  • 71.78%Equity capital to assets
  • 10.50%Core capital (leverage) ratio
  • 10.31%Tier 1 risk-based capital ratio
  • 15.27%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $360,667Average earning assets
  • $37,104Average equity
  • $326,037Average loans

Total Fiduciary and Related Assets (December 31, 2007)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $99Managed Assets
  • 1Number of Accounts
  • $99Personal trust and agency accounts
  • $99Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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