FDIC Certificate #: 34455 Status: Active Federal Reserve ID: 2490285 Bank Holding Company (Regulatory Top Holder): Rotan Bancshares, Inc. (RSSDID: 2487913, Location: Rotan, TX) Date Established: April 01, 1997 WWW:http://www.fnbrotan.com Trust Powers Granted: Yes 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 #: 57219 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: 118 North Garfield Street, Rotan, TX 79546 County: Fisher 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: $84.1 mil Equity capital: $6.8 mil Deposits held in domestic offices: $76.3 mil Return on assets (ROA): 1.14% ($1.0 mil) Quarterly return on assets: 1.45% ($1.2 mil) Return on Equity (ROE): 13.39% ($0.9 mil) Quarterly return on equity: 18.22% ($1.3 mil) Net income: $0.8 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.14% ($958.7 mil) Quarterly Pretax return on assets: 1.45% ($1,219.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$84,097Total assets
$2,563Cash and due from depository institutions
$1,079Interest-bearing balances
$56,038Securities
$0Federal funds sold & reverse repurchase agreements
$24,125Net loans & leases
$598Loan loss allowance
$0Trading account assets
$193Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$84,097Life insurance assets
$1,178All other assets
$77,322Total liabilities and capital
$76,331Total liabilities
$63,003Total deposits
$76,331Interest-bearing deposits
$84Deposits held in domestic offices
885.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$106Subordinated debt
$6,775All other liabilities
$6,775Total equity capital
$6,775Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$2,000Surplus
$3,775Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$304Income earned, not collected on loans
$0Earning assets
$728Long-term assets (5+ years)
$81,242Average Assets, year-to-date
$38,632Average Assets, quarterly
$72,035Volatile liabilities
$83,804Insider loans
$35,652FHLB advances
$85,733Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,988Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,734Restructured Loans and leases
$1,209Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,837Total interest income
$639Total interest expense
$2,198Net interest income
$135Provision for loan and lease losses
$437Total noninterest income
$0Fiduciary activities
$260Service charges on deposit accounts
$0Trading account gains & fees
$177Additional noninterest income
$1,808Total noninterest expense
$1,134Salaries and employee benefits
$83Premises and equipment expense
$591Additional noninterest expense
$692Pre-tax net operating income
$131Securities gains (losses)
$0Applicable income taxes
$823Income before extraordinary items
$0Extraordinary gains - net
$823Net income attributable to bank
$0Net charge-offs
$823Cash dividends
$25Sale, conversion, retirement of capital stock, net
$300Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.09%Yield on earning assets
0.92%Cost of funding earning assets
3.17%Net interest margin
0.63%Noninterest income to earning assets
2.61%Noninterest expense to earning assets
0.96%Net operating income to assets
1.14%Return on assets (ROA)
1.14%Pretax return on assets
13.39%Return on equity (ROE)
8.51%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
540.00%Credit loss provision to net charge-offs
33.08%Efficiency ratio
68,615Assets per employee
4.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
36.45%Loss allowance to loans
2.42%Loss allowance to noncurrent loans
196.71%Noncurrent assets plus other real estate owned to assets
0.36%Noncurrent loans to loans
1.23%Net loans and leases to deposits
31.61%Net loans and leases to core deposits
31.82%Equity capital to assets
8.06%Core capital (leverage) ratio
6.98%Tier 1 risk-based capital ratio
16.80%Total risk-based capital ratio
Memoranda
$18Average assets
$72,035Average earning assets
$6,148Average equity
$69,366Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
57219
First National Bank
118 North Garfield Street, Rotan, TX 79546
April 01, 1997
Full Service Brick and Mortar
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