Warren Bank and Trust Company in Warren, Arkansas (AR)



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Warren Bank and Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)42
Total assets$136,219
Cash and due from depository institutions$3,547
Interest-bearing balances$1,591
Securities$79,224
Federal funds sold & reverse repurchase agreements$425
Net loans & leases$50,095
Loan loss allowance $1,872
Trading account assets$0
Bank premises and fixed assets$921
Other real estate owned$126
Goodwill and other intangibles$0
All other assets$1,881
Life insurance assets$136,219
Total liabilities and capital$115,053
Total liabilities$113,013
Total deposits$97,340
Interest-bearing deposits$113,013
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,786
Other borrowed funds $0
Subordinated debt $254
All other liabilities $21,166
Total equity capital$21,166
Total bank equity capital$21,166
Perpetual preferred stock$0
Common stock$1
Surplus$2,399
Undivided profits $18,766
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,824
Earning assets $0
Long-term assets (5+ years) $898
Average Assets, year-to-date $131,335
Average Assets, quarterly $79,135
Volatile liabilities $132,549
Insider loans $135,495
FHLB advances $86,230
Loans and leases held for sale $134,253
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $18,724
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $467
Derivatives$1,141
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,969
Total interest expense $1,166
Net interest income $4,803
Provision for loan and lease losses $365
Total noninterest income $477
Fiduciary activities $64
Service charges on deposit accounts $309
Trading account gains & fees $0
Additional noninterest income $104
Total noninterest expense $2,998
Salaries and employee benefits $1,537
Premises and equipment expense $451
Additional noninterest expense $1,010
Pre-tax net operating income $1,917
Securities gains (losses) $115
Applicable income taxes $0
Income before extraordinary items $2,032
Extraordinary gains - net $0
Net income attributable to bank $2,032
Net charge-offs $0
Cash dividends $2,032
Sale, conversion, retirement of capital stock, net $32
Net operating income $1,332
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.69%
Cost of funding earning assets 0.92%
Net interest margin 3.77%
Noninterest income to earning assets 0.37%
Noninterest expense to earning assets 2.35%
Net operating income to assets 1.45%
Return on assets (ROA) 1.53%
Pretax return on assets 1.53%
Return on equity (ROE) 10.42%
Retained earnings to average equity (YTD only) 3.59%
Net charge-offs to loans 0.06%
Credit loss provision to net charge-offs 1140.63%
Efficiency ratio71.31%
Assets per employee$56,780
Cash dividends to net income (YTD only)3.24%
Condition Ratios (%)
Loss allowance to loans 65.55%
Loss allowance to noncurrent loans 3.60%
Noncurrent assets plus other real estate owned to assets 66.29%
Noncurrent loans to loans 2.17%
Net loans and leases to deposits5.43%
Net loans and leases to core deposits 44.33%
Equity capital to assets 45.26%
Core capital (leverage) ratio 15.54%
Tier 1 risk-based capital ratio 13.95%
Total risk-based capital ratio 21.71%
Memoranda
Average assets$23
Average earning assets$132,549
Average equity $19,502
Average loans $127,362
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$27,866
Number of Accounts1
Personal trust and agency accounts$13,850
Employee benefit-defined contribution accounts$8,348
Employee benefit-defined benefit accounts$3,712
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$1,017
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$773
Number of Accounts112
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$14,016
Corporate trust and agency accounts$0
Other fiduciary accounts$1,085
Fiduciary accounts held in foreign offices$3,534
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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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