The First National Bank of Lawrence County at Walnut Ridge in Walnut Ridge, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank of Lawrence County at Walnut Ridge - Overview

  • General
  • FDIC Certificate #: 3896
    Status: Active
    Federal Reserve ID: 799948
    Bank Holding Company (Regulatory Top Holder): First National Capital Corporation (RSSDID: 3288425, Location: Walnut Ridge, AR)
    Date Established: March 27, 1919
    WWW: http://www.firstteller.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: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 2542
    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: 202 West Main Street, Walnut Ridge, AR 72476
    County: Lawrence
    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: $186.9 mil
    Equity capital: $19.4 mil
    Deposits held in domestic offices: $166.4 mil
    Return on assets (ROA): 1.46% ($2.7 mil)
    Quarterly return on assets: 1.92% ($3.6 mil)
    Return on Equity (ROE): 13.96% ($2.7 mil)
    Quarterly return on equity: 18.47% ($3.5 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.65% ($3,083.2 mil)
    Quarterly Pretax return on assets: 1.95% ($3,643.8 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
  • 53Total employees (full-time equivalent)
  • $186,862Total assets
  • $8,700Cash and due from depository institutions
  • $85Interest-bearing balances
  • $35,576Securities
  • $14,375Federal funds sold & reverse repurchase agreements
  • $120,051Net loans & leases
  • $1,311Loan loss allowance
  • $0Trading account assets
  • $3,453Bank premises and fixed assets
  • $88Other real estate owned
  • $0Goodwill and other intangibles
  • $186,862Life insurance assets
  • $4,619All other assets
  • $167,480Total liabilities and capital
  • $166,386Total liabilities
  • $154,278Total deposits
  • $166,386Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,094Subordinated debt
  • $19,382All other liabilities
  • $19,382Total equity capital
  • $19,382Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $17,382Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $455Income earned, not collected on loans
  • $0Earning assets
  • $2,017Long-term assets (5+ years)
  • $170,087Average Assets, year-to-date
  • $27,352Average Assets, quarterly
  • $175,864Volatile liabilities
  • $185,471Insider loans
  • $126,223FHLB advances
  • $179,442Loans and leases held for sale
  • $921Unused loan commitments
  • $921Tier 1 (core) risk-based capital
  • $18,340Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,507Restructured Loans and leases
  • $1,098Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,556Total interest income
  • $1,140Total interest expense
  • $6,416Net interest income
  • $100Provision for loan and lease losses
  • $982Total noninterest income
  • $121Fiduciary activities
  • $652Service charges on deposit accounts
  • $0Trading account gains & fees
  • $209Additional noninterest income
  • $4,431Total noninterest expense
  • $2,338Salaries and employee benefits
  • $931Premises and equipment expense
  • $1,162Additional noninterest expense
  • $2,867Pre-tax net operating income
  • $27Securities gains (losses)
  • $327Applicable income taxes
  • $2,567Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,567Net income attributable to bank
  • $0Net charge-offs
  • $2,567Cash dividends
  • $37Sale, conversion, retirement of capital stock, net
  • $1,525Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 2.75%Noninterest expense to earning assets
  • 1.45%Net operating income to assets
  • 1.46%Return on assets (ROA)
  • 1.65%Pretax return on assets
  • 13.96%Return on equity (ROE)
  • 5.67%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 270.27%Credit loss provision to net charge-offs
  • 80.19%Efficiency ratio
  • 59,895Assets per employee
  • 3.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.41%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 288.13%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 72.15%Net loans and leases to core deposits
  • 82.48%Equity capital to assets
  • 10.37%Core capital (leverage) ratio
  • 10.22%Tier 1 risk-based capital ratio
  • 14.53%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $175,864Average earning assets
  • $18,389Average equity
  • $161,047Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $24,982Managed Assets
  • 1Number of Accounts
  • $4,427Personal trust and agency accounts
  • $4,427Employee 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
  • 97Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $20,555Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,139Other fiduciary accounts
  • $390Fiduciary accounts held in foreign offices

List of branches

  • 5 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02542The First National Bank Of Lawrence202 West Main Street, Walnut Ridge, AR 72476March 27, 1919Full Service Brick and Mortar
    1202123North Branch900 Highway 67 North, Walnut Ridge, AR 72476June 14, 1974Limited Service Facility
    3360794Hoxie Branch300 S.W. Texas Street, Hoxie, AR 72433July 23, 2001Full Service Brick and Mortar
    4419848Pocahontas Branch901 Hwy 62, Pocahontas, AR 72455July 01, 2002Full Service Brick and Mortar
    5476973Bono Branch131 Highway 63b, Bono, AR 72416March 31, 2008Limited Service Mobile

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