FDIC Certificate #: 18892 Status: Active Federal Reserve ID: 995955 Bank Holding Company (Regulatory Top Holder): Kress National Bancshares, Inc. (RSSDID: 2741307, Location: Kress, TX) Date Established: September 17, 1963 WWW:http://www.knbkress.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 12743 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: September 17, 1963 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: W 4th Street And Us Hwy 87, Kress, TX 79052 County: Swisher 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 Location
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $41.3 mil Equity capital: $4.1 mil Deposits held in domestic offices: $37.0 mil Return on assets (ROA): 1.17% ($0.5 mil) Quarterly return on assets: 0.92% ($0.4 mil) Return on Equity (ROE): 10.82% ($0.4 mil) Quarterly return on equity: 8.74% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.17% ($482.6 mil) Quarterly Pretax return on assets: 0.92% ($379.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$41,251Total assets
$9,108Cash and due from depository institutions
$6,361Interest-bearing balances
$13,240Securities
$4,000Federal funds sold & reverse repurchase agreements
$13,939Net loans & leases
$345Loan loss allowance
$0Trading account assets
$175Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$41,251Life insurance assets
$789All other assets
$37,108Total liabilities and capital
$37,042Total liabilities
$24,582Total deposits
$37,042Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$66Subordinated debt
$4,143All other liabilities
$4,143Total equity capital
$4,143Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$100Surplus
$3,943Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$8Income earned, not collected on loans
$0Earning assets
$683Long-term assets (5+ years)
$37,540Average Assets, year-to-date
$6,203Average Assets, quarterly
$37,593Volatile liabilities
$39,169Insider loans
$19,392FHLB advances
$40,683Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,053Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,977Restructured Loans and leases
$5Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,494Total interest income
$152Total interest expense
$1,342Net interest income
$47Provision for loan and lease losses
$187Total noninterest income
$0Fiduciary activities
$156Service charges on deposit accounts
$0Trading account gains & fees
$31Additional noninterest income
$1,042Total noninterest expense
$552Salaries and employee benefits
$91Premises and equipment expense
$399Additional noninterest expense
$440Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$440Income before extraordinary items
$0Extraordinary gains - net
$440Net income attributable to bank
$0Net charge-offs
$440Cash dividends
$2Sale, conversion, retirement of capital stock, net
$377Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.31%Yield on earning assets
0.44%Cost of funding earning assets
3.87%Net interest margin
0.54%Noninterest income to earning assets
3.01%Noninterest expense to earning assets
1.17%Net operating income to assets
1.17%Return on assets (ROA)
1.17%Pretax return on assets
10.82%Return on equity (ROE)
1.55%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
2350.00%Credit loss provision to net charge-offs
243.50%Efficiency ratio
68,149Assets per employee
5.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
85.68%Loss allowance to loans
2.42%Loss allowance to noncurrent loans
4312.50%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.06%Net loans and leases to deposits
37.63%Net loans and leases to core deposits
39.02%Equity capital to assets
10.04%Core capital (leverage) ratio
9.96%Tier 1 risk-based capital ratio
20.90%Total risk-based capital ratio
Memoranda
$22Average assets
$37,593Average earning assets
$4,065Average equity
$34,668Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12743
Kress National Bank
W 4th Street And Us Hwy 87, Kress, TX 79052
September 17, 1963
Full Service Brick and Mortar
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