The First National Bank of El Dorado in El Dorado, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 01, 2000

  • The First National Bank of El Dorado in El Dorado, Arkansas (AR)
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The First National Bank of El Dorado - Overview

  • General
  • FDIC Certificate #: 3859
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BancorpSouth Bank (#11813)
    Federal Reserve ID: 646949
    Date Established: January 01, 1903
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    FDIC's unique #: 2514
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 01, 2000
    Last Structure Change Process Date: September 20, 2000
    Last Data Update: September 20, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: Main At Washington Streets, El Dorado, AR 71730
    County: Union
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): El Dorado, AR (#20980)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $284.6 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
  • 81Total employees (full-time equivalent)
  • $289,929Total assets
  • $15,540Cash and due from depository institutions
  • $1,090Interest-bearing balances
  • $135,902Securities
  • $18,000Federal funds sold & reverse repurchase agreements
  • $114,182Net loans & leases
  • $1,337Loan loss allowance
  • $0Trading account assets
  • $2,214Bank premises and fixed assets
  • $70Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $4,021All other assets
  • $289,929Total liabilities and capital
  • $266,899Total liabilities
  • $256,851Total deposits
  • $203,196Interest-bearing deposits
  • $256,851Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $7,742Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,637Other borrowed funds
  • $0Subordinated debt
  • $669All other liabilities
  • $23,030Total equity capital
  • $23,030Total bank equity capital
  • $23,030Perpetual preferred stock
  • $0Common stock
  • $870Surplus
  • $5,175Undivided profits
  • Memoranda
  • $16,985Noncurrent loans and leases
  • $16,615Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $426Earning assets
  • $40Long-term assets (5+ years)
  • $1,022Average Assets, year-to-date
  • $269,174Average Assets, quarterly
  • $92,025Volatile liabilities
  • $292,797Insider loans
  • $286,973FHLB advances
  • $54,774Loans and leases held for sale
  • $4,184Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $16,615Total unused commitments
  • $39Restructured Loans and leases
  • $1,337Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $18,900Total interest income
  • $8,367Total interest expense
  • $10,533Net interest income
  • $80Provision for loan and lease losses
  • $1,425Total noninterest income
  • $212Fiduciary activities
  • $725Service charges on deposit accounts
  • $0Trading account gains & fees
  • $488Additional noninterest income
  • $4,799Total noninterest expense
  • $2,690Salaries and employee benefits
  • $620Premises and equipment expense
  • $1,489Additional noninterest expense
  • $7,079Pre-tax net operating income
  • $1Securities gains (losses)
  • $2,415Applicable income taxes
  • $4,665Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,665Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $215Sale, conversion, retirement of capital stock, net
  • $5,500Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.87%Yield on earning assets
  • 3.04%Cost of funding earning assets
  • 3.83%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 1.75%Noninterest expense to earning assets
  • 1.59%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 2.42%Pretax return on assets
  • 17.89%Return on equity (ROE)
  • -3.20%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 37.21%Credit loss provision to net charge-offs
  • 33.30%Efficiency ratio
  • 40,132Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 117.90%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 313.85%Noncurrent assets plus other real estate owned to assets
  • 0.17%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 44.45%Net loans and leases to core deposits
  • 54.00%Equity capital to assets
  • 7.94%Core capital (leverage) ratio
  • 8.55%Tier 1 risk-based capital ratio
  • 17.22%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $292,797Average earning assets
  • $26,083Average equity
  • $274,942Average loans

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