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

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

The First National Bank of Byers - Overview

General
FDIC Certificate #: 3122
Status: Active
Federal Reserve ID: 57255
Bank Holding Company (Regulatory Top Holder): Byers Bancshares, Inc. (RSSDID: 1108668, Location: Byers, TX)
Date Established: January 01, 1906
WWW: http://www.fnbbyers.net
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: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 1996
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural 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: 505 Main Street, Byers, TX 76357
County: Clay
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): Wichita Falls, TX (#48660)
CBSA Metro Statistical Area: Wichita Falls, TX (#48660)
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $102.8 mil
Equity capital: $10.3 mil
Deposits held in domestic offices: $92.5 mil
Return on assets (ROA): 0.23% ($0.2 mil)
Quarterly return on assets: 0.23% ($0.2 mil)
Return on Equity (ROE): 2.15% ($0.2 mil)
Quarterly return on equity: 2.22% ($0.2 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.29% ($298.2 mil)
Quarterly Pretax return on assets: 0.29% ($298.2 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
31Total employees (full-time equivalent)
$102,819Total assets
$26,175Cash and due from depository institutions
$22,363Interest-bearing balances
$18,363Securities
$2,000Federal funds sold & reverse repurchase agreements
$53,264Net loans & leases
$750Loan loss allowance
$0Trading account assets
$1,650Bank premises and fixed assets
$312Other real estate owned
$0Goodwill and other intangibles
$102,819Life insurance assets
$1,055All other assets
$92,530Total liabilities and capital
$92,511Total liabilities
$55,884Total deposits
$92,511Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$19Subordinated debt
$10,289All other liabilities
$10,289Total equity capital
$10,289Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$250Surplus
$9,789Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$500Income earned, not collected on loans
$0Earning assets
$724Long-term assets (5+ years)
$95,990Average Assets, year-to-date
$2,120Average Assets, quarterly
$97,344Volatile liabilities
$100,767Insider loans
$60,871FHLB advances
$98,398Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,198Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,773Restructured Loans and leases
$389Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,776Total interest income
$289Total interest expense
$3,487Net interest income
$86Provision for loan and lease losses
$558Total noninterest income
$0Fiduciary activities
$438Service charges on deposit accounts
$0Trading account gains & fees
$120Additional noninterest income
$3,676Total noninterest expense
$2,101Salaries and employee benefits
$311Premises and equipment expense
$1,264Additional noninterest expense
$283Pre-tax net operating income
$0Securities gains (losses)
$63Applicable income taxes
$220Income before extraordinary items
$0Extraordinary gains - net
$220Net income attributable to bank
$0Net charge-offs
$220Cash dividends
$131Sale, conversion, retirement of capital stock, net
$5Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.19%Yield on earning assets
0.32%Cost of funding earning assets
3.87%Net interest margin
0.62%Noninterest income to earning assets
4.08%Noninterest expense to earning assets
0.23%Net operating income to assets
0.23%Return on assets (ROA)
0.29%Pretax return on assets
2.15%Return on equity (ROE)
2.10%Retained earnings to average equity (YTD only)
0.25%Net charge-offs to loans
65.65%Credit loss provision to net charge-offs
2.82%Efficiency ratio
90,878Assets per employee
3.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
2.27%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
150.00%Noncurrent assets plus other real estate owned to assets
0.79%Noncurrent loans to loans
0.93%Net loans and leases to deposits
57.58%Net loans and leases to core deposits
58.63%Equity capital to assets
10.01%Core capital (leverage) ratio
10.36%Tier 1 risk-based capital ratio
16.75%Total risk-based capital ratio
Memoranda
$18Average assets
$97,344Average earning assets
$10,230Average equity
$90,101Average loans

List of branches

3 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1996	The First National Bank Of Byers	505 Main Street, Byers, TX 76357	January 01, 1906	Full Service Brick and Mortar
1	196090	The Cattlemans Branch	900 Midwestern Parkway, Wichita Falls, TX 76302	January 14, 1994	Full Service Brick and Mortar
2	477915	First National Bank Of Byers Henriet	202 West Wichita, Henrietta, TX 76365	May 05, 2008	Full Service Brick and Mortar

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

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

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