The First National Bank of Izard County in Calico Rock, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Izard County - Overview

  • General
  • FDIC Certificate #: 11252
    Status: Active
    Federal Reserve ID: 379649
    Bank Holding Company (Regulatory Top Holder): Wyatt Bancshares, Inc. (RSSDID: 1246618, Location: Calico Rock, AR)
    Date Established: May 01, 1914
    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: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 11601
    FDIC's unique #: 7180
    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: No
    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: 2005 Highway 56, Calico Rock, AR 72519
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $143.7 mil
    Equity capital: $44.1 mil
    Deposits held in domestic offices: $97.5 mil
    Return on assets (ROA): 1.58% ($2.3 mil)
    Quarterly return on assets: 0.74% ($1.1 mil)
    Return on Equity (ROE): 5.26% ($2.3 mil)
    Quarterly return on equity: 2.39% ($1.1 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.44% ($3,507.3 mil)
    Quarterly Pretax return on assets: 1.43% ($2,055.5 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
  • 38Total employees (full-time equivalent)
  • $143,741Total assets
  • $10,031Cash and due from depository institutions
  • $0Interest-bearing balances
  • $37,339Securities
  • $9,900Federal funds sold & reverse repurchase agreements
  • $75,134Net loans & leases
  • $954Loan loss allowance
  • $0Trading account assets
  • $2,622Bank premises and fixed assets
  • $332Other real estate owned
  • $0Goodwill and other intangibles
  • $143,741Life insurance assets
  • $8,383All other assets
  • $99,609Total liabilities and capital
  • $97,525Total liabilities
  • $76,127Total deposits
  • $97,525Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,084Subordinated debt
  • $44,132All other liabilities
  • $44,132Total equity capital
  • $44,132Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $750Surplus
  • $43,132Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,031Income earned, not collected on loans
  • $0Earning assets
  • $932Long-term assets (5+ years)
  • $122,373Average Assets, year-to-date
  • $43,478Average Assets, quarterly
  • $143,410Volatile liabilities
  • $143,087Insider loans
  • $86,031FHLB advances
  • $144,592Loans and leases held for sale
  • $6,984Unused loan commitments
  • $2,614Tier 1 (core) risk-based capital
  • $44,108Tier 2 risk-based capital
  • $1,512Total risk weighted assets
  • $2,858Total unused commitments
  • $1,953Restructured Loans and leases
  • $1,504Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,669Total interest income
  • $714Total interest expense
  • $5,955Net interest income
  • $0Provision for loan and lease losses
  • $1,283Total noninterest income
  • $0Fiduciary activities
  • $444Service charges on deposit accounts
  • $0Trading account gains & fees
  • $839Additional noninterest income
  • $3,735Total noninterest expense
  • $2,460Salaries and employee benefits
  • $457Premises and equipment expense
  • $818Additional noninterest expense
  • $3,503Pre-tax net operating income
  • $2Securities gains (losses)
  • $1,243Applicable income taxes
  • $2,262Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,262Net income attributable to bank
  • $0Net charge-offs
  • $2,262Cash dividends
  • -$90Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.49%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 4.90%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 3.07%Noninterest expense to earning assets
  • 1.58%Net operating income to assets
  • 1.58%Return on assets (ROA)
  • 2.44%Pretax return on assets
  • 5.26%Return on equity (ROE)
  • 5.26%Retained earnings to average equity (YTD only)
  • -0.12%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 51,603Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 92.53%Noncurrent assets plus other real estate owned to assets
  • 0.95%Noncurrent loans to loans
  • 1.36%Net loans and leases to deposits
  • 77.04%Net loans and leases to core deposits
  • 80.44%Equity capital to assets
  • 30.70%Core capital (leverage) ratio
  • 30.51%Tier 1 risk-based capital ratio
  • 51.27%Total risk-based capital ratio
  • Memoranda
  • $52Average assets
  • $143,410Average earning assets
  • $42,985Average equity
  • $121,503Average loans

List of branches

  • 5 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07180The First National Bank Of Izard Cou2005 Highway 56, Calico Rock, AR 72519May 01, 1914Full Service Brick and Mortar
    1224197Mount Pleasant BranchMain Street And Guion Road, Mount Pleasant, AR 72561March 08, 1976Full Service Brick and Mortar
    2224198Horseshoe Bend BranchSouth Bend Drive, Horseshoe Bend, AR 72512September 19, 1988Full Service Brick and Mortar
    3224199Mountain View BranchHighway 5 North, Mountain View, AR 72560January 03, 1994Full Service Brick and Mortar
    4224200Melbourne BranchEast Main Street, Melbourne, AR 72556September 20, 1993Full Service Brick and Mortar

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