First National Bank in city_name, state_name - Detailed Financial Reports, Location

First National Bank in Wichita Falls, Texas (TX)
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First National Bank - Overview

General
FDIC Certificate #: 26543
Status: Active
Federal Reserve ID: 375566
Bank Holding Company (Regulatory Top Holder): Wichita Falls Bancshares, Inc. (RSSDID: 1137538, Location: Wichita Falls, TX)
Date Established: January 29, 1986
WWW: http://www.fnbwf.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: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 35232
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 29, 1986
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: 3801 Fairway Boulevard, Wichita Falls, TX 76310
County: Wichita
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
Metropolitan Statistical Area (MSA): Wichita Falls, TX (#9080)
Core Based Statistical Area (CBSA): Wichita Falls, TX (#48660)
CBSA Metro Statistical Area: Wichita Falls, TX (#48660)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $310.6 mil
Equity capital: $30.2 mil
Deposits held in domestic offices: $259.4 mil
Return on assets (ROA): 1.36% ($4.2 mil)
Quarterly return on assets: 2.09% ($6.5 mil)
Return on Equity (ROE): 14.27% ($4.3 mil)
Quarterly return on equity: 21.22% ($6.4 mil)
Net income: $4.0 mil
Quarterly Net income: $1.6 mil
Pretax return on assets: 1.36% ($4,224.6 mil)
Quarterly Pretax return on assets: 2.09% ($6,492.1 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
115Total employees (full-time equivalent)
$310,629Total assets
$9,443Cash and due from depository institutions
$2,464Interest-bearing balances
$56,738Securities
$0Federal funds sold & reverse repurchase agreements
$230,799Net loans & leases
$2,650Loan loss allowance
$0Trading account assets
$2,892Bank premises and fixed assets
$1,626Other real estate owned
$0Goodwill and other intangibles
$310,629Life insurance assets
$9,131All other assets
$280,382Total liabilities and capital
$259,392Total liabilities
$203,773Total deposits
$259,392Interest-bearing deposits
$78Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$19,500Trading liabilities
$0Other borrowed funds
$1,490Subordinated debt
$30,247All other liabilities
$30,247Total equity capital
$30,247Total bank equity capital
$0Perpetual preferred stock
$750Common stock
$13,637Surplus
$15,860Undivided profits
Memoranda
$0Noncurrent loans and leases
$45,071Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,689Income earned, not collected on loans
$22Earning assets
$1,324Long-term assets (5+ years)
$290,001Average Assets, year-to-date
$100,015Average Assets, quarterly
$296,755Volatile liabilities
$303,294Insider loans
$219,700FHLB advances
$308,894Loans and leases held for sale
$4,378Unused loan commitments
$4,378Tier 1 (core) risk-based capital
$27,511Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$15,945Restructured Loans and leases
$718Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,543Total interest income
$2,570Total interest expense
$12,973Net interest income
$1,200Provision for loan and lease losses
$5,040Total noninterest income
$0Fiduciary activities
$448Service charges on deposit accounts
$0Trading account gains & fees
$4,592Additional noninterest income
$13,174Total noninterest expense
$8,138Salaries and employee benefits
$1,572Premises and equipment expense
$3,464Additional noninterest expense
$3,639Pre-tax net operating income
$401Securities gains (losses)
$0Applicable income taxes
$4,040Income before extraordinary items
$0Extraordinary gains - net
$4,040Net income attributable to bank
$0Net charge-offs
$4,040Cash dividends
$1,200Sale, conversion, retirement of capital stock, net
$1,898Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.62%Yield on earning assets
0.93%Cost of funding earning assets
4.69%Net interest margin
1.82%Noninterest income to earning assets
4.76%Noninterest expense to earning assets
1.23%Net operating income to assets
1.36%Return on assets (ROA)
1.36%Pretax return on assets
14.27%Return on equity (ROE)
7.57%Retained earnings to average equity (YTD only)
0.56%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
4.03%Efficiency ratio
73,136Assets per employee
2.70%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.98%Loss allowance to loans
1.14%Loss allowance to noncurrent loans
71.84%Noncurrent assets plus other real estate owned to assets
1.71%Noncurrent loans to loans
1.58%Net loans and leases to deposits
88.98%Net loans and leases to core deposits
99.97%Equity capital to assets
9.74%Core capital (leverage) ratio
8.91%Tier 1 risk-based capital ratio
12.52%Total risk-based capital ratio
Memoranda
$14Average assets
$296,755Average earning assets
$28,314Average equity
$276,688Average loans

List of branches

4 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	35232	First National Bank	3801 Fairway Boulevard, Wichita Falls, TX 76310	January 29, 1986	Full Service Brick and Mortar
1	259668	Midwestern Branch	2304 Midwestern Parkway, Wichita Falls, TX 76308	August 07, 1995	Full Service Brick and Mortar
2	359780	Town Square Branch	1540 East Southlake Boulevard, Southlake, TX 76092	Febuary 05, 2001	Full Service Brick and Mortar
3	492909	Town Square Mortgage Branch	1253 Main, Southlake, TX 76092	January 05, 2009	Full Service Brick and Mortar

First National Bank in Wichita Falls, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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First National Bank in Wichita Falls, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

First National 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:

First National Bank in Wichita Falls, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches