FDIC Certificate #: 3079 Status: Active Federal Reserve ID: 138257 Date Established: April 21, 1901 WWW:http://www.fnbaspermont.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1960 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: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 136 West 7th Street, Aspermont, TX 79502 County: Stonewall 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
Financial Summary
Total assets: $49.2 mil Equity capital: $11.1 mil Deposits held in domestic offices: $37.7 mil Return on assets (ROA): 1.29% ($0.6 mil) Quarterly return on assets: 1.05% ($0.5 mil) Return on Equity (ROE): 5.29% ($0.6 mil) Quarterly return on equity: 4.54% ($0.5 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.29% ($635.2 mil) Quarterly Pretax return on assets: 1.05% ($517.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$49,244Total assets
$9,192Cash and due from depository institutions
$4,644Interest-bearing balances
$32,805Securities
$0Federal funds sold & reverse repurchase agreements
$5,843Net loans & leases
$361Loan loss allowance
$0Trading account assets
$178Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$49,244Life insurance assets
$1,226All other assets
$38,170Total liabilities and capital
$37,739Total liabilities
$18,186Total deposits
$37,739Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$431Subordinated debt
$11,074All other liabilities
$11,074Total equity capital
$11,074Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$250Surplus
$10,724Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$340Long-term assets (5+ years)
$43,292Average Assets, year-to-date
$15,488Average Assets, quarterly
$44,983Volatile liabilities
$48,160Insider loans
$18,424FHLB advances
$48,566Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,249Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$273Restructured Loans and leases
$10Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,460Total interest income
$217Total interest expense
$1,243Net interest income
$0Provision for loan and lease losses
$149Total noninterest income
$0Fiduciary activities
$96Service charges on deposit accounts
$0Trading account gains & fees
$53Additional noninterest income
$811Total noninterest expense
$437Salaries and employee benefits
$120Premises and equipment expense
$254Additional noninterest expense
$581Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$581Income before extraordinary items
$0Extraordinary gains - net
$581Net income attributable to bank
$0Net charge-offs
$581Cash dividends
-$11Sale, conversion, retirement of capital stock, net
$556Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.66%Yield on earning assets
0.54%Cost of funding earning assets
3.11%Net interest margin
0.37%Noninterest income to earning assets
2.03%Noninterest expense to earning assets
1.29%Net operating income to assets
1.29%Return on assets (ROA)
1.29%Pretax return on assets
5.29%Return on equity (ROE)
0.23%Retained earnings to average equity (YTD only)
-0.17%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
58,261Assets per employee
7.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
95.70%Loss allowance to loans
5.82%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
15.48%Net loans and leases to core deposits
17.15%Equity capital to assets
22.49%Core capital (leverage) ratio
21.10%Tier 1 risk-based capital ratio
55.63%Total risk-based capital ratio
Memoranda
$57Average assets
$44,983Average earning assets
$10,988Average equity
$39,938Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1960
The First National Bank Of Aspermont
136 West 7th Street, Aspermont, TX 79502
April 21, 1901
Full Service Brick and Mortar
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