First Bank and Trust of Childress in city_name, state_name - Detailed Financial Reports, Location

First Bank and Trust of Childress in Childress, Texas (TX)
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First Bank and Trust of Childress routing number info

First Bank and Trust of Childress - Overview

General
FDIC Certificate #: 3134
Status: Active
Federal Reserve ID: 749952
Bank Holding Company (Regulatory Top Holder): Childress Bancshares, Inc. (RSSDID: 2007610, Location: Childress, TX)
Date Established: January 01, 1909
WWW: http://www.fbtchildress.net
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 12529
FDIC's unique #: 2006
Numeric code: 21
Regulator: FDIC
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: Commercial Lending 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: 301 North Main Street, Childress, TX 79201
County: Childress
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Lubbock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $76.4 mil
Equity capital: $6.4 mil
Deposits held in domestic offices: $69.9 mil
Return on assets (ROA): 1.21% ($0.9 mil)
Quarterly return on assets: 0.91% ($0.7 mil)
Return on Equity (ROE): 14.15% ($0.8 mil)
Quarterly return on equity: 10.83% ($0.6 mil)
Net income: $0.9 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.21% ($924.0 mil)
Quarterly Pretax return on assets: 0.91% ($694.9 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
21Total employees (full-time equivalent)
$76,361Total assets
$1,591Cash and due from depository institutions
$36Interest-bearing balances
$14,657Securities
$675Federal funds sold & reverse repurchase agreements
$56,580Net loans & leases
$359Loan loss allowance
$0Trading account assets
$784Bank premises and fixed assets
$22Other real estate owned
$0Goodwill and other intangibles
$76,361Life insurance assets
$2,052All other assets
$69,980Total liabilities and capital
$69,858Total liabilities
$59,701Total deposits
$69,858Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$122Subordinated debt
$6,381All other liabilities
$6,381Total equity capital
$6,381Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$3,700Surplus
$2,381Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,956Income earned, not collected on loans
$0Earning assets
$710Long-term assets (5+ years)
$71,948Average Assets, year-to-date
$20,689Average Assets, quarterly
$74,505Volatile liabilities
$76,170Insider loans
$37,239FHLB advances
$75,887Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,355Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,342Restructured Loans and leases
$398Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,459Total interest income
$869Total interest expense
$2,590Net interest income
$10Provision for loan and lease losses
$260Total noninterest income
$5Fiduciary activities
$197Service charges on deposit accounts
$0Trading account gains & fees
$58Additional noninterest income
$1,946Total noninterest expense
$939Salaries and employee benefits
$275Premises and equipment expense
$732Additional noninterest expense
$894Pre-tax net operating income
$6Securities gains (losses)
$0Applicable income taxes
$900Income before extraordinary items
$0Extraordinary gains - net
$900Net income attributable to bank
$0Net charge-offs
$900Cash dividends
$18Sale, conversion, retirement of capital stock, net
$682Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.99%Yield on earning assets
1.25%Cost of funding earning assets
3.73%Net interest margin
0.37%Noninterest income to earning assets
2.81%Noninterest expense to earning assets
1.20%Net operating income to assets
1.21%Return on assets (ROA)
1.21%Pretax return on assets
14.15%Return on equity (ROE)
3.43%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
55.56%Credit loss provision to net charge-offs
50.22%Efficiency ratio
68,281Assets per employee
3.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.78%Loss allowance to loans
0.63%Loss allowance to noncurrent loans
18.35%Noncurrent assets plus other real estate owned to assets
2.59%Noncurrent loans to loans
3.44%Net loans and leases to deposits
80.99%Net loans and leases to core deposits
110.81%Equity capital to assets
8.36%Core capital (leverage) ratio
8.37%Tier 1 risk-based capital ratio
17.07%Total risk-based capital ratio
Memoranda
$18Average assets
$74,505Average earning assets
$6,362Average equity
$69,370Average 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
$12Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$12Other retirement accounts
$12Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

3 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2006	First Bank And Trust Of Childress	301 North Main Street, Childress, TX 79201	January 01, 1909	Full Service Brick and Mortar
1	196094	704 10th Street Branch	704 10th Street, Paducah, TX 79248	September 13, 1999	Full Service Brick and Mortar
2	511150	Gateway Branch	2006 Ave. G. Nw, Childress, TX 79201	August 09, 2010	Full Service Brick and Mortar

First Bank and Trust of Childress in Childress, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank and Trust of Childress - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First Bank and Trust of Childress in Childress, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank and Trust of Childress - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First Bank and Trust of Childress in Childress, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches