FDIC Certificate #: 3892 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Security Bank (#5633) Federal Reserve ID: 740043 Date Established: January 01, 1907 WWW:http://www.fnbspringdale.com 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) OTS Docket #: 15747 FDIC's unique #: 2538 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: January 02, 2004 Last Structure Change Process Date: January 12, 2004 Last Data Update: January 12, 2004 Data Source Date: April 05, 2012
Location
Address: 100 West Emma Street, Springdale, AR 72764 County: Washington 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 Metropolitan Statistical Area (MSA): Fayetteville-Springdale-Rogers, AR (#2580) Core Based Statistical Area (CBSA): Fayetteville-Springdale-Rogers, AR-MO (#22220) CBSA Metro Statistical Area: Fayetteville-Springdale-Rogers, AR-MO (#22220)
Financial Summary
Total assets: $2.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
0Total employees (full-time equivalent)
$2,000Total assets
$0Cash and due from depository institutions
$0Interest-bearing balances
$0Securities
$2,000Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$0All other assets
$2,000Total liabilities and capital
$0Total liabilities
$0Total deposits
$0Interest-bearing deposits
$0Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$2,000Total equity capital
$2,000Total bank equity capital
$2,000Perpetual preferred stock
$0Common stock
$500Surplus
$1,500Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$0Average Assets, year-to-date
$2,000Average Assets, quarterly
$0Volatile liabilities
$287,717Insider loans
$173,214FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$13,991Total interest income
$3,499Total interest expense
$10,492Net interest income
$105Provision for loan and lease losses
$16,211Total noninterest income
$431Fiduciary activities
$2,589Service charges on deposit accounts
$0Trading account gains & fees
$13,191Additional noninterest income
$9,979Total noninterest expense
$5,169Salaries and employee benefits
$1,053Premises and equipment expense
$3,757Additional noninterest expense
$16,619Pre-tax net operating income
$274Securities gains (losses)
$11,223Applicable income taxes
$5,670Income before extraordinary items
$0Extraordinary gains - net
$5,670Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$505Sale, conversion, retirement of capital stock, net
$2,600Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.52%Yield on earning assets
1.38%Cost of funding earning assets
4.14%Net interest margin
6.40%Noninterest income to earning assets
3.94%Noninterest expense to earning assets
1.91%Net operating income to assets
1.97%Return on assets (ROA)
5.87%Pretax return on assets
17.05%Return on equity (ROE)
9.23%Retained earnings to average equity (YTD only)
0.36%Net charge-offs to loans
20.79%Credit loss provision to net charge-offs
33.12%Efficiency ratio
33,921Assets per employee
0.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
45.86%Loss allowance to loans
0.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
100.00%Core capital (leverage) ratio
0.57%Tier 1 risk-based capital ratio
500.00%Total risk-based capital ratio
Memoranda
$500Average assets
$287,717Average earning assets
$33,252Average equity
$253,301Average loans
Total Fiduciary and Related Assets (December 31, 2003)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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