Fannin Bank in city_name, state_name - Detailed Financial Reports, Location

Fannin Bank in Bonham, Texas (TX)
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Fannin Bank routing number info

Fannin Bank - Overview

General
FDIC Certificate #: 5589
Status: Active
Federal Reserve ID: 377663
Bank Holding Company (Regulatory Top Holder): Fannin Bancorp, Inc. (RSSDID: 1137284, Location: Bonham, TX)
Date Established: April 22, 1925
WWW: http://www.fanninbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 12679
FDIC's unique #: 3804
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
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: 230 East 3rd Street, Bonham, TX 75418
County: Fannin
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
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Bonham, TX (#14300)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $63.3 mil
Equity capital: $5.4 mil
Deposits held in domestic offices: $57.4 mil
Return on assets (ROA): 1.33% ($0.8 mil)
Quarterly return on assets: 1.11% ($0.7 mil)
Return on Equity (ROE): 16.82% ($0.8 mil)
Quarterly return on equity: 13.12% ($0.7 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.33% ($841.3 mil)
Quarterly Pretax return on assets: 1.11% ($702.2 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
26Total employees (full-time equivalent)
$63,259Total assets
$2,290Cash and due from depository institutions
$24Interest-bearing balances
$16,808Securities
$1,212Federal funds sold & reverse repurchase agreements
$38,349Net loans & leases
$350Loan loss allowance
$0Trading account assets
$1,415Bank premises and fixed assets
$236Other real estate owned
$0Goodwill and other intangibles
$63,258Life insurance assets
$2,949All other assets
$57,877Total liabilities and capital
$57,402Total liabilities
$45,413Total deposits
$57,402Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$475Subordinated debt
$5,381All other liabilities
$5,381Total equity capital
$5,381Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$3,750Surplus
$1,431Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$202Income earned, not collected on loans
$0Earning assets
$674Long-term assets (5+ years)
$56,393Average Assets, year-to-date
$25,053Average Assets, quarterly
$62,065Volatile liabilities
$63,152Insider loans
$39,828FHLB advances
$62,806Loans and leases held for sale
$1,455Unused loan commitments
$1,455Tier 1 (core) risk-based capital
$5,105Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,955Restructured Loans and leases
$1,176Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,365Total interest income
$397Total interest expense
$2,968Net interest income
$226Provision for loan and lease losses
$733Total noninterest income
$0Fiduciary activities
$472Service charges on deposit accounts
$0Trading account gains & fees
$261Additional noninterest income
$2,792Total noninterest expense
$1,444Salaries and employee benefits
$443Premises and equipment expense
$905Additional noninterest expense
$683Pre-tax net operating income
$142Securities gains (losses)
$0Applicable income taxes
$825Income before extraordinary items
$0Extraordinary gains - net
$825Net income attributable to bank
$0Net charge-offs
$825Cash dividends
$107Sale, conversion, retirement of capital stock, net
$387Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.04%Yield on earning assets
0.71%Cost of funding earning assets
5.32%Net interest margin
1.31%Noninterest income to earning assets
5.01%Noninterest expense to earning assets
1.10%Net operating income to assets
1.33%Return on assets (ROA)
1.33%Pretax return on assets
16.82%Return on equity (ROE)
8.93%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
211.21%Credit loss provision to net charge-offs
8.50%Efficiency ratio
75,439Assets per employee
2.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.91%Loss allowance to loans
0.90%Loss allowance to noncurrent loans
173.27%Noncurrent assets plus other real estate owned to assets
0.69%Noncurrent loans to loans
0.52%Net loans and leases to deposits
66.81%Net loans and leases to core deposits
70.67%Equity capital to assets
8.51%Core capital (leverage) ratio
8.13%Tier 1 risk-based capital ratio
12.82%Total risk-based capital ratio
Memoranda
$14Average assets
$62,065Average earning assets
$4,905Average equity
$55,749Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	3804	Fannin Bank	230 East 3rd Street, Bonham, TX 75418	April 22, 1925	Full Service Brick and Mortar
2	473736	Honey Grove Branch	901 E. Main, Honey Grove, TX 75446	March 20, 2008	Full Service Brick and Mortar

Fannin Bank in Bonham, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Fannin Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Fannin Bank in Bonham, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

Fannin Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Fannin Bank in Bonham, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches