The East Texas National Bank of Palestine in city_name, state_name

The East Texas National Bank of Palestine in Palestine, Texas (TX)
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The East Texas National Bank of Palestine routing number info

The East Texas National Bank of Palestine - Overview

General
FDIC Certificate #: 3379
Status: Active
Federal Reserve ID: 904667
Bank Holding Company (Regulatory Top Holder): East Texas National, Inc. (RSSDID: 2895693, Location: Palestine, TX)
Date Established: March 11, 1911
WWW: http://www.etnbonline.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: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 2196
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 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: 207 West Spring Street, Palestine, TX 75801
County: Anderson
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
Core Based Statistical Area (CBSA): Palestine, TX (#37300)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $139.2 mil
Equity capital: $10.1 mil
Deposits held in domestic offices: $128.8 mil
Return on assets (ROA): 1.02% ($1.4 mil)
Quarterly return on assets: 1.26% ($1.8 mil)
Return on Equity (ROE): 13.98% ($1.4 mil)
Quarterly return on equity: 17.32% ($1.7 mil)
Net income: $1.4 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.02% ($1,419.9 mil)
Quarterly Pretax return on assets: 1.26% ($1,754.0 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
42Total employees (full-time equivalent)
$139,205Total assets
$19,266Cash and due from depository institutions
$6,057Interest-bearing balances
$45,044Securities
$0Federal funds sold & reverse repurchase agreements
$68,448Net loans & leases
$584Loan loss allowance
$0Trading account assets
$3,055Bank premises and fixed assets
$404Other real estate owned
$1,067Goodwill and other intangibles
$139,205Life insurance assets
$1,921All other assets
$129,094Total liabilities and capital
$128,761Total liabilities
$65,856Total deposits
$128,761Interest-bearing deposits
$98Deposits held in domestic offices
200.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$133Subordinated debt
$10,111All other liabilities
$10,111Total equity capital
$10,111Total bank equity capital
$0Perpetual preferred stock
$302Common stock
$2,652Surplus
$7,157Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$477Income earned, not collected on loans
$0Earning assets
$647Long-term assets (5+ years)
$119,549Average Assets, year-to-date
$3,138Average Assets, quarterly
$136,162Volatile liabilities
$138,712Insider loans
$65,731FHLB advances
$137,113Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,044Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,414Restructured Loans and leases
$960Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,798Total interest income
$229Total interest expense
$4,569Net interest income
$60Provision for loan and lease losses
$1,258Total noninterest income
$363Fiduciary activities
$647Service charges on deposit accounts
$0Trading account gains & fees
$248Additional noninterest income
$4,377Total noninterest expense
$2,428Salaries and employee benefits
$762Premises and equipment expense
$1,187Additional noninterest expense
$1,390Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,390Income before extraordinary items
$0Extraordinary gains - net
$1,390Net income attributable to bank
$0Net charge-offs
$1,390Cash dividends
$53Sale, conversion, retirement of capital stock, net
$1,056Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.06%Yield on earning assets
0.19%Cost of funding earning assets
3.87%Net interest margin
1.06%Noninterest income to earning assets
3.71%Noninterest expense to earning assets
1.02%Net operating income to assets
1.02%Return on assets (ROA)
1.02%Pretax return on assets
13.98%Return on equity (ROE)
3.36%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
113.21%Credit loss provision to net charge-offs
27.36%Efficiency ratio
75,116Assets per employee
3.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.97%Loss allowance to loans
0.85%Loss allowance to noncurrent loans
122.43%Noncurrent assets plus other real estate owned to assets
0.63%Noncurrent loans to loans
0.69%Net loans and leases to deposits
53.16%Net loans and leases to core deposits
53.63%Equity capital to assets
7.26%Core capital (leverage) ratio
6.60%Tier 1 risk-based capital ratio
13.76%Total risk-based capital ratio
Memoranda
$15Average assets
$136,162Average earning assets
$9,942Average equity
$118,129Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$66,501Managed Assets
1Number of Accounts
$41,109Personal trust and agency accounts
$30,168Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$2,668Corporate trust and agency accounts
$0Investment management agency accounts
$8,022Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$251Non-managed Assets
224Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$25,392Other retirement accounts
$15,784Corporate trust and agency accounts
$3,012Other fiduciary accounts
$4,846Fiduciary accounts held in foreign offices

List of branches

3 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2196	The East Texas National Bank Of Pale	207 West Spring Street, Palestine, TX 75801	March 11, 1911	Full Service Brick and Mortar
1	9703	Mexia Branch	101 North Mckinney Street, Mexia, TX 76667	May 01, 1936	Full Service Brick and Mortar
4	15210	American Branch	1718 Eleventh Street, Huntsville, TX 77340	March 10, 1975	Full Service Brick and Mortar

The East Texas National Bank of Palestine in Palestine, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The East Texas National Bank of Palestine - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The East Texas National Bank of Palestine in Palestine, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

The East Texas National Bank of Palestine - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The East Texas National Bank of Palestine in Palestine, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches