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

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

First Bank and Trust of Memphis - Overview

General
FDIC Certificate #: 3335
Status: Active
Federal Reserve ID: 373553
Bank Holding Company (Regulatory Top Holder): Falcon Bancorporation (RSSDID: 1241211, Location: Memphis, TX)
Date Established: March 01, 1898
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 #: 11790
FDIC's unique #: 2157
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: 501 Main Street, Memphis, TX 79245
County: Hall
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: $69.0 mil
Equity capital: $6.3 mil
Deposits held in domestic offices: $62.3 mil
Return on assets (ROA): 1.08% ($0.7 mil)
Quarterly return on assets: 0.82% ($0.6 mil)
Return on Equity (ROE): 11.70% ($0.7 mil)
Quarterly return on equity: 8.77% ($0.5 mil)
Net income: $0.7 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.08% ($745.2 mil)
Quarterly Pretax return on assets: 0.82% ($565.8 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
11Total employees (full-time equivalent)
$69,000Total assets
$1,052Cash and due from depository institutions
$315Interest-bearing balances
$5,511Securities
$13,189Federal funds sold & reverse repurchase agreements
$47,468Net loans & leases
$491Loan loss allowance
$0Trading account assets
$136Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$69,000Life insurance assets
$1,644All other assets
$62,736Total liabilities and capital
$62,303Total liabilities
$49,378Total deposits
$62,303Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$433Subordinated debt
$6,264All other liabilities
$6,264Total equity capital
$6,264Total bank equity capital
$0Perpetual preferred stock
$215Common stock
$5,135Surplus
$914Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,322Income earned, not collected on loans
$59Earning assets
$449Long-term assets (5+ years)
$66,483Average Assets, year-to-date
$12,426Average Assets, quarterly
$66,991Volatile liabilities
$67,163Insider loans
$55,855FHLB advances
$67,508Loans and leases held for sale
$886Unused loan commitments
$886Tier 1 (core) risk-based capital
$6,275Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$979Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,548Total interest income
$805Total interest expense
$1,743Net interest income
$55Provision for loan and lease losses
$172Total noninterest income
$0Fiduciary activities
$86Service charges on deposit accounts
$0Trading account gains & fees
$86Additional noninterest income
$1,146Total noninterest expense
$551Salaries and employee benefits
$71Premises and equipment expense
$524Additional noninterest expense
$714Pre-tax net operating income
$11Securities gains (losses)
$0Applicable income taxes
$725Income before extraordinary items
$0Extraordinary gains - net
$725Net income attributable to bank
$0Net charge-offs
$725Cash dividends
$0Sale, conversion, retirement of capital stock, net
$544Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.96%Yield on earning assets
1.25%Cost of funding earning assets
2.71%Net interest margin
0.27%Noninterest income to earning assets
1.78%Noninterest expense to earning assets
1.07%Net operating income to assets
1.08%Return on assets (ROA)
1.08%Pretax return on assets
11.70%Return on equity (ROE)
2.92%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
59,843Assets per employee
6.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.03%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
37.14%Noncurrent assets plus other real estate owned to assets
1.92%Noncurrent loans to loans
2.76%Net loans and leases to deposits
76.19%Net loans and leases to core deposits
86.21%Equity capital to assets
9.08%Core capital (leverage) ratio
9.30%Tier 1 risk-based capital ratio
11.23%Total risk-based capital ratio
Memoranda
$12Average assets
$66,991Average earning assets
$6,197Average equity
$64,356Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	2157	First Bank And Trust Of Memphis	501 Main Street, Memphis, TX 79245	March 01, 1898	Full Service Brick and Mortar
1	446151	Amarillo Branch	6900 I-40 West Suite 125, Amarillo, TX 79106	November 07, 2005	Full Service Brick and Mortar

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

First Bank and Trust of Memphis - 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:

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

First Bank and Trust of Memphis - 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:

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