The First National Bank of Albany in city_name, state_name - Detailed Financial Reports, Location

The First National Bank of Albany in Albany, Texas (TX)
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The First National Bank of Albany routing number info

The First National Bank of Albany - Overview

General
FDIC Certificate #: 3067
Status: Active
Federal Reserve ID: 340751
Bank Holding Company (Regulatory Top Holder): Albany Bancshares, Inc. (RSSDID: 1246926, Location: Albany, TX)
Date Established: January 01, 1883
WWW: http://www.fnbab.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: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 1953
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: All Other Specialization < 1 Billion
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: 100 South Main Street, Albany, TX 76430
County: Shackelford
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
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $420.8 mil
Equity capital: $44.3 mil
Deposits held in domestic offices: $374.6 mil
Return on assets (ROA): 2.03% ($8.5 mil)
Quarterly return on assets: 1.66% ($7.0 mil)
Return on Equity (ROE): 19.95% ($8.8 mil)
Quarterly return on equity: 15.86% ($7.0 mil)
Net income: $8.0 mil
Quarterly Net income: $1.7 mil
Pretax return on assets: 2.03% ($8,541.7 mil)
Quarterly Pretax return on assets: 1.66% ($6,984.8 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
63Total employees (full-time equivalent)
$420,773Total assets
$71,779Cash and due from depository institutions
$65,822Interest-bearing balances
$161,039Securities
$4,000Federal funds sold & reverse repurchase agreements
$177,174Net loans & leases
$3,470Loan loss allowance
$0Trading account assets
$1,060Bank premises and fixed assets
$17Other real estate owned
$0Goodwill and other intangibles
$420,773Life insurance assets
$5,704All other assets
$376,489Total liabilities and capital
$374,559Total liabilities
$261,074Total deposits
$374,559Interest-bearing deposits
$77Deposits held in domestic offices
381.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$12Trading liabilities
$0Other borrowed funds
$1,537Subordinated debt
$44,284All other liabilities
$44,284Total equity capital
$44,284Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,784Surplus
$42,400Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,675Income earned, not collected on loans
$0Earning assets
$2,444Long-term assets (5+ years)
$408,035Average Assets, year-to-date
$127,363Average Assets, quarterly
$396,584Volatile liabilities
$416,494Insider loans
$228,626FHLB advances
$399,054Loans and leases held for sale
$2,110Unused loan commitments
$2,110Tier 1 (core) risk-based capital
$38,643Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$21,737Restructured Loans and leases
$6,183Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,526Total interest income
$2,016Total interest expense
$13,510Net interest income
$323Provision for loan and lease losses
$1,453Total noninterest income
$0Fiduciary activities
$677Service charges on deposit accounts
$0Trading account gains & fees
$776Additional noninterest income
$6,598Total noninterest expense
$3,787Salaries and employee benefits
$699Premises and equipment expense
$2,112Additional noninterest expense
$8,042Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$8,042Income before extraordinary items
$0Extraordinary gains - net
$8,042Net income attributable to bank
$0Net charge-offs
$8,042Cash dividends
$263Sale, conversion, retirement of capital stock, net
$5,455Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.05%Yield on earning assets
0.53%Cost of funding earning assets
3.53%Net interest margin
0.38%Noninterest income to earning assets
1.72%Noninterest expense to earning assets
2.03%Net operating income to assets
2.03%Return on assets (ROA)
2.03%Pretax return on assets
19.95%Return on equity (ROE)
6.42%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
122.81%Credit loss provision to net charge-offs
31.81%Efficiency ratio
44,095Assets per employee
6.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
67.83%Loss allowance to loans
1.92%Loss allowance to noncurrent loans
207.16%Noncurrent assets plus other real estate owned to assets
0.40%Noncurrent loans to loans
0.93%Net loans and leases to deposits
47.30%Net loans and leases to core deposits
52.40%Equity capital to assets
10.52%Core capital (leverage) ratio
9.68%Tier 1 risk-based capital ratio
16.90%Total risk-based capital ratio
Memoranda
$18Average assets
$396,584Average earning assets
$40,308Average equity
$383,084Average loans

List of branches

4 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1953	The First National Bank Of Albany	100 South Main Street, Albany, TX 76430	January 01, 1883	Full Service Brick and Mortar
1	2078	Gordon Branch	104 South Main Street, Gordon, TX 76453	March 27, 1901	Full Service Brick and Mortar
2	3764	Strawn Branch	123 Central, Strawn, TX 76475	January 01, 1904	Full Service Brick and Mortar
3	8741	Breckenridge Branch	101 East Walker Street, Breckenridge, TX 76424	January 01, 1904	Full Service Brick and Mortar

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

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

The First National Bank of Albany - 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:

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