Warren Bank and Trust Company in Warren, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Warren Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 81
    Status: Active
    Federal Reserve ID: 748441
    Date Established: December 31, 1901
    WWW: http://www.warrenbanktrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13922
    FDIC's unique #: 61
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    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: 201 South Main Street, Warren, AR 71671
    County: Bradley
    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: $136.2 mil
    Equity capital: $21.2 mil
    Deposits held in domestic offices: $113.0 mil
    Return on assets (ROA): 1.53% ($2.1 mil)
    Quarterly return on assets: 1.73% ($2.4 mil)
    Return on Equity (ROE): 10.42% ($2.2 mil)
    Quarterly return on equity: 11.00% ($2.3 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.53% ($2,084.2 mil)
    Quarterly Pretax return on assets: 1.73% ($2,356.6 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
  • 42Total employees (full-time equivalent)
  • $136,219Total assets
  • $3,547Cash and due from depository institutions
  • $1,591Interest-bearing balances
  • $79,224Securities
  • $425Federal funds sold & reverse repurchase agreements
  • $50,095Net loans & leases
  • $1,872Loan loss allowance
  • $0Trading account assets
  • $921Bank premises and fixed assets
  • $126Other real estate owned
  • $0Goodwill and other intangibles
  • $136,219Life insurance assets
  • $1,881All other assets
  • $115,053Total liabilities and capital
  • $113,013Total liabilities
  • $97,340Total deposits
  • $113,013Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,786Trading liabilities
  • $0Other borrowed funds
  • $254Subordinated debt
  • $21,166All other liabilities
  • $21,166Total equity capital
  • $21,166Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $2,399Surplus
  • $18,766Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,824Income earned, not collected on loans
  • $0Earning assets
  • $898Long-term assets (5+ years)
  • $131,335Average Assets, year-to-date
  • $79,135Average Assets, quarterly
  • $132,549Volatile liabilities
  • $135,495Insider loans
  • $86,230FHLB advances
  • $134,253Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,724Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $467Restructured Loans and leases
  • $1,141Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,969Total interest income
  • $1,166Total interest expense
  • $4,803Net interest income
  • $365Provision for loan and lease losses
  • $477Total noninterest income
  • $64Fiduciary activities
  • $309Service charges on deposit accounts
  • $0Trading account gains & fees
  • $104Additional noninterest income
  • $2,998Total noninterest expense
  • $1,537Salaries and employee benefits
  • $451Premises and equipment expense
  • $1,010Additional noninterest expense
  • $1,917Pre-tax net operating income
  • $115Securities gains (losses)
  • $0Applicable income taxes
  • $2,032Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,032Net income attributable to bank
  • $0Net charge-offs
  • $2,032Cash dividends
  • $32Sale, conversion, retirement of capital stock, net
  • $1,332Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.35%Noninterest expense to earning assets
  • 1.45%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 10.42%Return on equity (ROE)
  • 3.59%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 1140.63%Credit loss provision to net charge-offs
  • 71.31%Efficiency ratio
  • 56,780Assets per employee
  • 3.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.55%Loss allowance to loans
  • 3.60%Loss allowance to noncurrent loans
  • 66.29%Noncurrent assets plus other real estate owned to assets
  • 2.17%Noncurrent loans to loans
  • 5.43%Net loans and leases to deposits
  • 44.33%Net loans and leases to core deposits
  • 45.26%Equity capital to assets
  • 15.54%Core capital (leverage) ratio
  • 13.95%Tier 1 risk-based capital ratio
  • 21.71%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $132,549Average earning assets
  • $19,502Average equity
  • $127,362Average 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
  • $27,866Managed Assets
  • 1Number of Accounts
  • $13,850Personal trust and agency accounts
  • $8,348Employee benefit-defined contribution accounts
  • $3,712Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,017Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $773Non-managed Assets
  • 112Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $14,016Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,085Other fiduciary accounts
  • $3,534Fiduciary accounts held in foreign offices

List of branches

  • 4 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061Warren Bank And Trust Company201 South Main Street, Warren, AR 71671December 31, 1901Full Service Brick and Mortar
    1180993West Branch312 South Martin Street, Warren, AR 71671September 11, 1973Limited Service Facility
    2180994Drive-In FacilityCypress And Myrtle Streets, Warren, AR 71671July 15, 1974Limited Service Facility
    3180995Hermitage Branch303 South Main, Hermitage, AR 71647April 05, 1976Full Service Brick and Mortar

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