FDIC Certificate #: 34456 Status: Active Federal Reserve ID: 1429028 Date Established: April 01, 1997 WWW:http://www.ballingernationalbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 57220 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: April 01, 1997 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: 900 Hutchings Avenue, Ballinger, TX 76821 County: Runnels Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $43.3 mil Equity capital: $4.6 mil Deposits held in domestic offices: $38.3 mil Return on assets (ROA): 0.82% ($0.4 mil) Quarterly return on assets: 0.91% ($0.4 mil) Return on Equity (ROE): 7.03% ($0.4 mil) Quarterly return on equity: 8.15% ($0.4 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.82% ($355.2 mil) Quarterly Pretax return on assets: 0.91% ($394.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$43,317Total assets
$1,924Cash and due from depository institutions
$1,060Interest-bearing balances
$18,255Securities
$2,815Federal funds sold & reverse repurchase agreements
$19,435Net loans & leases
$272Loan loss allowance
$0Trading account assets
$265Bank premises and fixed assets
$48Other real estate owned
$0Goodwill and other intangibles
$43,317Life insurance assets
$575All other assets
$38,710Total liabilities and capital
$38,349Total liabilities
$27,681Total deposits
$38,349Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$361Subordinated debt
$4,607All other liabilities
$4,607Total equity capital
$4,607Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$2,690Surplus
$917Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$575Income earned, not collected on loans
$0Earning assets
$218Long-term assets (5+ years)
$41,565Average Assets, year-to-date
$23,151Average Assets, quarterly
$40,266Volatile liabilities
$42,721Insider loans
$21,063FHLB advances
$43,633Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,324Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,156Restructured Loans and leases
$161Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,702Total interest income
$172Total interest expense
$1,530Net interest income
$20Provision for loan and lease losses
$444Total noninterest income
$0Fiduciary activities
$286Service charges on deposit accounts
$0Trading account gains & fees
$158Additional noninterest income
$1,635Total noninterest expense
$932Salaries and employee benefits
$122Premises and equipment expense
$581Additional noninterest expense
$319Pre-tax net operating income
$13Securities gains (losses)
$0Applicable income taxes
$332Income before extraordinary items
$0Extraordinary gains - net
$332Net income attributable to bank
$0Net charge-offs
$332Cash dividends
$16Sale, conversion, retirement of capital stock, net
$330Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.47%Yield on earning assets
0.45%Cost of funding earning assets
4.02%Net interest margin
1.17%Noninterest income to earning assets
4.29%Noninterest expense to earning assets
0.79%Net operating income to assets
0.82%Return on assets (ROA)
0.82%Pretax return on assets
7.03%Return on equity (ROE)
0.04%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
125.00%Credit loss provision to net charge-offs
21.19%Efficiency ratio
82,827Assets per employee
2.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
99.40%Loss allowance to loans
1.38%Loss allowance to noncurrent loans
47.30%Noncurrent assets plus other real estate owned to assets
1.44%Noncurrent loans to loans
2.92%Net loans and leases to deposits
50.68%Net loans and leases to core deposits
51.91%Equity capital to assets
10.64%Core capital (leverage) ratio
9.91%Tier 1 risk-based capital ratio
20.53%Total risk-based capital ratio
Memoranda
$22Average assets
$40,266Average earning assets
$4,720Average equity
$38,081Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
57220
Ballinger National Bank
900 Hutchings Avenue, Ballinger, TX 76821
April 01, 1997
Full Service Brick and Mortar
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