The First National Bank of Izard County in Calico Rock, Arkansas (AR)



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The First National Bank of Izard County routing number info

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The First National Bank of Izard County
GeneralFDIC 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
WWW: http://www.fnbizardcounty.com
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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)38
Total assets$143,741
Cash and due from depository institutions$10,031
Interest-bearing balances$0
Securities$37,339
Federal funds sold & reverse repurchase agreements$9,900
Net loans & leases$75,134
Loan loss allowance $954
Trading account assets$0
Bank premises and fixed assets$2,622
Other real estate owned$332
Goodwill and other intangibles$0
All other assets$8,383
Life insurance assets$143,741
Total liabilities and capital$99,609
Total liabilities$97,525
Total deposits$76,127
Interest-bearing deposits$97,525
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,084
All other liabilities $44,132
Total equity capital$44,132
Total bank equity capital$44,132
Perpetual preferred stock$0
Common stock$250
Surplus$750
Undivided profits $43,132
Memoranda
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 $1,031
Earning assets $0
Long-term assets (5+ years) $932
Average Assets, year-to-date $122,373
Average Assets, quarterly $43,478
Volatile liabilities $143,410
Insider loans $143,087
FHLB advances $86,031
Loans and leases held for sale $144,592
Unused loan commitments $6,984
Tier 1 (core) risk-based capital $2,614
Tier 2 risk-based capital $44,108
Total risk weighted assets $1,512
Total unused commitments $2,858
Restructured Loans and leases $1,953
Derivatives$1,504
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,669
Total interest expense $714
Net interest income $5,955
Provision for loan and lease losses $0
Total noninterest income $1,283
Fiduciary activities $0
Service charges on deposit accounts $444
Trading account gains & fees $0
Additional noninterest income $839
Total noninterest expense $3,735
Salaries and employee benefits $2,460
Premises and equipment expense $457
Additional noninterest expense $818
Pre-tax net operating income $3,503
Securities gains (losses) $2
Applicable income taxes $1,243
Income before extraordinary items $2,262
Extraordinary gains - net $0
Net income attributable to bank $2,262
Net charge-offs $0
Cash dividends $2,262
Sale, conversion, retirement of capital stock, net -$90
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.49%
Cost of funding earning assets 0.59%
Net interest margin 4.90%
Noninterest income to earning assets 1.06%
Noninterest expense to earning assets 3.07%
Net operating income to assets 1.58%
Return on assets (ROA) 1.58%
Pretax return on assets 2.44%
Return on equity (ROE) 5.26%
Retained earnings to average equity (YTD only) 5.26%
Net charge-offs to loans -0.12%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$51,603
Cash dividends to net income (YTD only)3.78%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.25%
Noncurrent assets plus other real estate owned to assets 92.53%
Noncurrent loans to loans 0.95%
Net loans and leases to deposits1.36%
Net loans and leases to core deposits 77.04%
Equity capital to assets 80.44%
Core capital (leverage) ratio 30.70%
Tier 1 risk-based capital ratio 30.51%
Total risk-based capital ratio 51.27%
Memoranda
Average assets$52
Average earning assets$143,410
Average equity $42,985
Average loans $121,503
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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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