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

First National Bank in Whitney in Whitney, Texas (TX)
Show street view No street view available for this location

First National Bank in Whitney routing number info

First National Bank in Whitney - Overview

General
FDIC Certificate #: 5584
Status: Active
Federal Reserve ID: 376068
Bank Holding Company (Regulatory Top Holder): Baylor Bancshares, Inc. (RSSDID: 1104307, Location: Seymour, TX)
Date Established: January 01, 1932
WWW: http://www.fnbwhitney.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: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 3800
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: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 02, 2010
Last Structure Change Process Date: June 02, 2010
Last Data Update: June 02, 2010
Data Source Date: April 05, 2012
Location
Address: 307 North Brazos St, Whitney, TX 76692
County: Hill
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
History of Changes
Change in Location
Financial Summary
Total assets: $58.2 mil
Equity capital: $5.6 mil
Deposits held in domestic offices: $52.5 mil
Return on assets (ROA): 0.48% ($0.3 mil)
Quarterly return on assets: 0.08% ($0.0 mil)
Return on Equity (ROE): 4.94% ($0.3 mil)
Quarterly return on equity: 0.82% ($0.0 mil)
Net income: $0.3 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.71% ($413.0 mil)
Quarterly Pretax return on assets: 0.17% ($98.9 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
15Total employees (full-time equivalent)
$58,166Total assets
$8,069Cash and due from depository institutions
$5,412Interest-bearing balances
$40,080Securities
$150Federal funds sold & reverse repurchase agreements
$9,327Net loans & leases
$395Loan loss allowance
$0Trading account assets
$156Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$58,167Life insurance assets
$384All other assets
$52,520Total liabilities and capital
$52,467Total liabilities
$38,595Total deposits
$52,467Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$53Subordinated debt
$5,647All other liabilities
$5,647Total equity capital
$5,647Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$200Surplus
$5,247Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$223Long-term assets (5+ years)
$54,969Average Assets, year-to-date
$40,086Average Assets, quarterly
$58,182Volatile liabilities
$57,799Insider loans
$18,665FHLB advances
$58,404Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,773Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,692Restructured Loans and leases
$234Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,351Total interest income
$289Total interest expense
$1,062Net interest income
$0Provision for loan and lease losses
$479Total noninterest income
$0Fiduciary activities
$329Service charges on deposit accounts
$0Trading account gains & fees
$150Additional noninterest income
$1,358Total noninterest expense
$667Salaries and employee benefits
$85Premises and equipment expense
$606Additional noninterest expense
$183Pre-tax net operating income
$233Securities gains (losses)
$136Applicable income taxes
$280Income before extraordinary items
$0Extraordinary gains - net
$280Net income attributable to bank
$0Net charge-offs
$280Cash dividends
$6Sale, conversion, retirement of capital stock, net
$280Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
2.53%Yield on earning assets
0.54%Cost of funding earning assets
1.99%Net interest margin
0.90%Noninterest income to earning assets
2.55%Noninterest expense to earning assets
0.21%Net operating income to assets
0.48%Return on assets (ROA)
0.71%Pretax return on assets
4.94%Return on equity (ROE)
0.00%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
30.50%Efficiency ratio
88,125Assets per employee
3.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
100.00%Loss allowance to loans
4.06%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
17.78%Net loans and leases to core deposits
17.78%Equity capital to assets
9.71%Core capital (leverage) ratio
9.88%Tier 1 risk-based capital ratio
30.93%Total risk-based capital ratio
Memoranda
$32Average assets
$58,182Average earning assets
$5,664Average equity
$53,329Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	3800	First National Bank In Whitney	307 North Brazos St, Whitney, TX 76692	January 01, 1932	Full Service Brick and Mortar
1	207848	Laguna Park Branch	Highway 56 And Highway 22, Laguna Park, TX 76634	May 05, 1997	Full Service Brick and Mortar

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

First National Bank in Whitney - 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 Whitney in Whitney, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank in Whitney - 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 Whitney in Whitney, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches