FDIC Certificate #: 14095 Status: Active Federal Reserve ID: 442655 Date Established: January 01, 1934 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 #: 8808 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: March 21, 1934 Last Structure Change Effective Date: December 11, 2008 Last Structure Change Process Date: December 17, 2008 Last Data Update: December 17, 2008 Data Source Date: April 05, 2012
Location
Address: 200 South St Mary Street, Falfurrias, TX 78355 County: Brooks Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston 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: $79.3 mil Equity capital: $8.0 mil Deposits held in domestic offices: $71.3 mil Return on assets (ROA): 0.79% ($0.6 mil) Quarterly return on assets: 0.56% ($0.4 mil) Return on Equity (ROE): 6.99% ($0.6 mil) Quarterly return on equity: 5.08% ($0.4 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.79% ($626.8 mil) Quarterly Pretax return on assets: 0.56% ($444.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
25Total employees (full-time equivalent)
$79,336Total assets
$21,398Cash and due from depository institutions
$19,984Interest-bearing balances
$41,548Securities
$0Federal funds sold & reverse repurchase agreements
$15,663Net loans & leases
$161Loan loss allowance
$0Trading account assets
$170Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$79,336Life insurance assets
$557All other assets
$71,290Total liabilities and capital
$71,258Total liabilities
$55,096Total deposits
$71,258Interest-bearing deposits
$69Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$32Subordinated debt
$8,046All other liabilities
$8,046Total equity capital
$8,046Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$800Surplus
$7,046Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$100Income earned, not collected on loans
$0Earning assets
$333Long-term assets (5+ years)
$77,195Average Assets, year-to-date
$1,341Average Assets, quarterly
$71,940Volatile liabilities
$73,317Insider loans
$21,506FHLB advances
$75,812Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,786Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,582Restructured Loans and leases
$337Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,950Total interest income
$212Total interest expense
$1,738Net interest income
$0Provision for loan and lease losses
$706Total noninterest income
$0Fiduciary activities
$652Service charges on deposit accounts
$0Trading account gains & fees
$54Additional noninterest income
$1,879Total noninterest expense
$1,007Salaries and employee benefits
$140Premises and equipment expense
$732Additional noninterest expense
$565Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$565Income before extraordinary items
$0Extraordinary gains - net
$565Net income attributable to bank
$0Net charge-offs
$565Cash dividends
$67Sale, conversion, retirement of capital stock, net
$505Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.80%Yield on earning assets
0.30%Cost of funding earning assets
2.49%Net interest margin
1.01%Noninterest income to earning assets
2.70%Noninterest expense to earning assets
0.79%Net operating income to assets
0.79%Return on assets (ROA)
0.79%Pretax return on assets
6.99%Return on equity (ROE)
0.74%Retained earnings to average equity (YTD only)
0.40%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
8.43%Efficiency ratio
76,882Assets per employee
3.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
89.38%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
161.00%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.63%Net loans and leases to deposits
21.98%Net loans and leases to core deposits
22.43%Equity capital to assets
10.14%Core capital (leverage) ratio
10.27%Tier 1 risk-based capital ratio
36.20%Total risk-based capital ratio
Memoranda
$37Average assets
$71,940Average earning assets
$8,079Average equity
$69,701Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8808
The First National Bank In Falfurria
200 South St Mary Street, Falfurrias, TX 78355
January 01, 1934
Full Service Brick and Mortar
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