TrustBanc in Mountain Home, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 09, 2005

TrustBanc in Mountain Home, Arkansas (AR)
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TrustBanc - Overview

General
FDIC Certificate #: 34797
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Liberty Bank of Arkansas (#3878)
Federal Reserve ID: 2679709
Date Established: July 20, 1998
WWW: http://www.trustbanc.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 61645
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: July 20, 1998
Last Structure Change Effective Date: April 09, 2005
Last Structure Change Process Date: May 02, 2005
Last Data Update: May 02, 2005
Data Source Date: April 05, 2012
Location
Address: 665 Highway 62 East, Mountain Home, AR 72653
County: Baxter
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
Core Based Statistical Area (CBSA): Mountain Home, AR (#34260)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $138.9 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, 2004)

Dollar figures in thousands
27Total employees (full-time equivalent)
$115,846Total assets
$2,903Cash and due from depository institutions
$203Interest-bearing balances
$25,707Securities
$7,315Federal funds sold & reverse repurchase agreements
$71,218Net loans & leases
$665Loan loss allowance
$0Trading account assets
$5,038Bank premises and fixed assets
$0Other real estate owned
$4Goodwill and other intangibles
$0Life insurance assets
$3,661All other assets
$115,846Total liabilities and capital
$105,969Total liabilities
$89,917Total deposits
$85,407Interest-bearing deposits
$89,917Deposits held in domestic offices
0.00%% insured (estimated)
$3,079Federal funds purchased & repurchase agreements
$0Trading liabilities
$12,499Other borrowed funds
$0Subordinated debt
$474All other liabilities
$9,877Total equity capital
$9,877Total bank equity capital
$9,877Perpetual preferred stock
$0Common stock
$4Surplus
$7,651Undivided profits
Memoranda
$2,222Noncurrent loans and leases
$11,471Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$134Earning assets
$134Long-term assets (5+ years)
$594Average Assets, year-to-date
$104,443Average Assets, quarterly
$29,182Volatile liabilities
$111,719Insider loans
$115,179FHLB advances
$22,200Loans and leases held for sale
$1,717Unused loan commitments
$12,499Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$179Total risk weighted assets
$11,471Total unused commitments
$0Restructured Loans and leases
$665Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$5,725Total interest income
$2,386Total interest expense
$3,339Net interest income
$100Provision for loan and lease losses
$506Total noninterest income
$0Fiduciary activities
$203Service charges on deposit accounts
$0Trading account gains & fees
$303Additional noninterest income
$2,319Total noninterest expense
$1,164Salaries and employee benefits
$425Premises and equipment expense
$730Additional noninterest expense
$1,426Pre-tax net operating income
$0Securities gains (losses)
$476Applicable income taxes
$950Income before extraordinary items
$0Extraordinary gains - net
$950Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$4Sale, conversion, retirement of capital stock, net
$500Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.74%Yield on earning assets
2.39%Cost of funding earning assets
3.35%Net interest margin
0.51%Noninterest income to earning assets
2.32%Noninterest expense to earning assets
0.85%Net operating income to assets
0.85%Return on assets (ROA)
1.28%Pretax return on assets
9.89%Return on equity (ROE)
4.69%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-2500.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
60,312Assets per employee
4.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.63%Loss allowance to loans
0.93%Loss allowance to noncurrent loans
496.27%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.19%Net loans and leases to deposits
79.20%Net loans and leases to core deposits
99.19%Equity capital to assets
8.53%Core capital (leverage) ratio
8.56%Tier 1 risk-based capital ratio
13.19%Total risk-based capital ratio
Memoranda
$14Average assets
$111,719Average earning assets
$9,602Average equity
$99,814Average loans

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