Twin Lakes Community Bank in Flippin, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Twin Lakes Community Bank - Overview

  • General
  • FDIC Certificate #: 15880
    Status: Active
    Federal Reserve ID: 3405633
    Bank Holding Company (Regulatory Top Holder): First National Corporation Of Wynne (RSSDID: 1132159, Location: Wynne, AR)
    Date Established: December 02, 1930
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 10117
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 10, 1942
    Last Structure Change Effective Date: December 12, 2011
    Last Structure Change Process Date: December 13, 2011
    Last Data Update: December 13, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 South First, Flippin, AR 72634
    County: Marion
    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
  • Financial Summary
  • Total assets: $85.4 mil
    Equity capital: $8.9 mil
    Deposits held in domestic offices: $76.2 mil
    Return on assets (ROA): -2.58% (-$2.2 mil)
    Quarterly return on assets: -1.48% (-$1.3 mil)
    Return on Equity (ROE): -21.54% (-$1.9 mil)
    Quarterly return on equity: -13.72% (-$1.2 mil)
    Net income: -$2.2 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: -2.58% (-$2,203.5 mil)
    Quarterly Pretax return on assets: -1.48% (-$1,264.0 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, 2011)

  • Dollar figures in thousands
  • 32Total employees (full-time equivalent)
  • $85,408Total assets
  • $2,150Cash and due from depository institutions
  • $95Interest-bearing balances
  • $10,129Securities
  • $12,310Federal funds sold & reverse repurchase agreements
  • $53,205Net loans & leases
  • $1,745Loan loss allowance
  • $0Trading account assets
  • $5,568Bank premises and fixed assets
  • $639Other real estate owned
  • $225Goodwill and other intangibles
  • $85,408Life insurance assets
  • $1,182All other assets
  • $76,464Total liabilities and capital
  • $76,159Total liabilities
  • $73,582Total deposits
  • $76,159Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $100Trading liabilities
  • $0Other borrowed funds
  • $205Subordinated debt
  • $8,944All other liabilities
  • $8,944Total equity capital
  • $8,944Total bank equity capital
  • $0Perpetual preferred stock
  • $5Common stock
  • $11,818Surplus
  • $-2,879Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,705Income earned, not collected on loans
  • $0Earning assets
  • $511Long-term assets (5+ years)
  • $75,739Average Assets, year-to-date
  • $8,918Average Assets, quarterly
  • $83,839Volatile liabilities
  • $84,904Insider loans
  • $60,176FHLB advances
  • $85,285Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,663Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,159Restructured Loans and leases
  • $2,791Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,219Total interest income
  • $1,449Total interest expense
  • $2,770Net interest income
  • $2,384Provision for loan and lease losses
  • $203Total noninterest income
  • $0Fiduciary activities
  • $98Service charges on deposit accounts
  • $0Trading account gains & fees
  • $105Additional noninterest income
  • $2,772Total noninterest expense
  • $1,484Salaries and employee benefits
  • $286Premises and equipment expense
  • $1,002Additional noninterest expense
  • -$2,183Pre-tax net operating income
  • $24Securities gains (losses)
  • $0Applicable income taxes
  • -$2,159Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,159Net income attributable to bank
  • $0Net charge-offs
  • -$2,159Cash dividends
  • $1,696Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.60%Yield on earning assets
  • 1.92%Cost of funding earning assets
  • 3.68%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 3.68%Noninterest expense to earning assets
  • -2.60%Net operating income to assets
  • -2.58%Return on assets (ROA)
  • -2.58%Pretax return on assets
  • -21.54%Return on equity (ROE)
  • -21.54%Retained earnings to average equity (YTD only)
  • 2.87%Net charge-offs to loans
  • 140.57%Credit loss provision to net charge-offs
  • 0.12%Efficiency ratio
  • 93,239Assets per employee
  • 2.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.18%Loss allowance to noncurrent loans
  • 64.51%Noncurrent assets plus other real estate owned to assets
  • 3.92%Noncurrent loans to loans
  • 4.92%Net loans and leases to deposits
  • 69.86%Net loans and leases to core deposits
  • 73.52%Equity capital to assets
  • 10.47%Core capital (leverage) ratio
  • 10.16%Tier 1 risk-based capital ratio
  • 14.40%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $83,839Average earning assets
  • $10,022Average equity
  • $75,278Average loans

List of branches

  • 3 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010117Twin Lakes Community Bank301 South First, Flippin, AR 72634December 02, 1930Full Service Brick and Mortar
    3478348Mountain Home Branch150 West End Way, Mountain Home, AR 72654July 15, 2008Full Service Brick and Mortar
    4491829Norfork Branch23 Wolf Street, Norfork, AR 72658April 23, 2009Full Service Brick and Mortar

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