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

National Bank in Gatesville, Texas (TX)
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National Bank - Overview

General
FDIC Certificate #: 3214
Status: Active
Federal Reserve ID: 322056
Bank Holding Company (Regulatory Top Holder): National United Bancshares, Inc. (RSSDID: 3059773, Location: Gatesville, TX)
Date Established: August 21, 1889
WWW: http://www.natlbank.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: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 10765
FDIC's unique #: 2071
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: Commercial Lending 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: 905 Main Street, Gatesville, TX 76528
County: Coryell
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): Killeen-Temple, TX (#3810)
Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $477.8 mil
Equity capital: $49.8 mil
Deposits held in domestic offices: $426.8 mil
Return on assets (ROA): 1.17% ($5.6 mil)
Quarterly return on assets: 0.98% ($4.7 mil)
Return on Equity (ROE): 11.63% ($5.8 mil)
Quarterly return on equity: 9.45% ($4.7 mil)
Net income: $5.5 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.60% ($7,645.4 mil)
Quarterly Pretax return on assets: 1.26% ($6,020.7 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
157Total employees (full-time equivalent)
$477,836Total assets
$50,607Cash and due from depository institutions
$36,613Interest-bearing balances
$150,206Securities
$11,796Federal funds sold & reverse repurchase agreements
$238,564Net loans & leases
$5,968Loan loss allowance
$0Trading account assets
$8,149Bank premises and fixed assets
$6,099Other real estate owned
$16Goodwill and other intangibles
$477,836Life insurance assets
$12,399All other assets
$428,050Total liabilities and capital
$426,765Total liabilities
$400,632Total deposits
$426,765Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$475Trading liabilities
$0Other borrowed funds
$810Subordinated debt
$49,786All other liabilities
$49,786Total equity capital
$49,786Total bank equity capital
$0Perpetual preferred stock
$4,728Common stock
$5,793Surplus
$39,265Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,317Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,810Income earned, not collected on loans
$0Earning assets
$2,440Long-term assets (5+ years)
$437,179Average Assets, year-to-date
$62,298Average Assets, quarterly
$472,510Volatile liabilities
$477,243Insider loans
$277,242FHLB advances
$471,975Loans and leases held for sale
$5,490Unused loan commitments
$5,490Tier 1 (core) risk-based capital
$48,863Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$42,638Restructured Loans and leases
$170Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$20,758Total interest income
$2,408Total interest expense
$18,350Net interest income
$497Provision for loan and lease losses
$6,156Total noninterest income
$0Fiduciary activities
$2,696Service charges on deposit accounts
$0Trading account gains & fees
$3,460Additional noninterest income
$16,459Total noninterest expense
$8,526Salaries and employee benefits
$2,499Premises and equipment expense
$5,434Additional noninterest expense
$7,550Pre-tax net operating income
$0Securities gains (losses)
$2,030Applicable income taxes
$5,520Income before extraordinary items
$0Extraordinary gains - net
$5,520Net income attributable to bank
$0Net charge-offs
$5,520Cash dividends
$1,144Sale, conversion, retirement of capital stock, net
$1,146Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.83%Yield on earning assets
0.56%Cost of funding earning assets
4.27%Net interest margin
1.43%Noninterest income to earning assets
3.83%Noninterest expense to earning assets
1.17%Net operating income to assets
1.17%Return on assets (ROA)
1.60%Pretax return on assets
11.63%Return on equity (ROE)
9.22%Retained earnings to average equity (YTD only)
0.46%Net charge-offs to loans
43.44%Credit loss provision to net charge-offs
7.03%Efficiency ratio
66,996Assets per employee
3.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
20.76%Loss allowance to loans
2.44%Loss allowance to noncurrent loans
329.72%Noncurrent assets plus other real estate owned to assets
1.66%Noncurrent loans to loans
0.74%Net loans and leases to deposits
55.90%Net loans and leases to core deposits
57.98%Equity capital to assets
10.42%Core capital (leverage) ratio
10.35%Tier 1 risk-based capital ratio
17.62%Total risk-based capital ratio
Memoranda
$19Average assets
$472,510Average earning assets
$47,451Average equity
$429,528Average loans

List of branches

8 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2071	National Bank	905 Main Street, Gatesville, TX 76528	August 21, 1889	Full Service Brick and Mortar
1	12032	Cove Branch	408 South Main Street, Copperas Cove, TX 76522	November 21, 1959	Full Service Brick and Mortar
3	16130	Hewitt Branch	701 North Hewitt Drive, Hewitt, TX 76643	January 28, 1980	Full Service Brick and Mortar
5	196177	Killeen Branch	4103 East Central Texas Expressway, Killeen, TX 76543	July 19, 1993	Full Service Brick and Mortar
7	41933	Lampasas Branch	907 South Key Avenue, Lampasas, TX 76550	August 01, 1934	Full Service Brick and Mortar
8	463519	Kempner Branch	12444 East Highway 190, Kempner, TX 76539	April 09, 2007	Full Service Retail
9	473119	Waco Branch	5500 Bagby Avenue, Waco, TX 76711	December 24, 2007	Full Service Brick and Mortar
10	528446	Clear Creek (Killeen) Branch	2408 South Clear Creek Road, Suite 109, Killeen, TX 76549	September 19, 2011	Full Service Brick and Mortar

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

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

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:

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