FDIC Certificate #: 3182 Status: Active Federal Reserve ID: 594451 Date Established: January 01, 1909 WWW:http://www.fnbedge.com 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 #: 2044 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: No Asset Concentration Hierarchy: Other Specialized Lending < 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: 119 East Front Street, Edgewood, TX 75117 County: Van Zandt 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $18.7 mil Equity capital: $1.9 mil Deposits held in domestic offices: $16.8 mil Return on assets (ROA): 0.34% ($0.1 mil) Quarterly return on assets: -0.80% (-$0.2 mil) Return on Equity (ROE): 3.24% ($0.1 mil) Quarterly return on equity: -7.75% (-$0.2 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.30% ($56.2 mil) Quarterly Pretax return on assets: -0.80% (-$149.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$18,741Total assets
$3,332Cash and due from depository institutions
$2,737Interest-bearing balances
$7,270Securities
$1,040Federal funds sold & reverse repurchase agreements
$6,739Net loans & leases
$85Loan loss allowance
$0Trading account assets
$134Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,740Life insurance assets
$226All other assets
$16,865Total liabilities and capital
$16,806Total liabilities
$9,882Total deposits
$16,806Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$59Subordinated debt
$1,875All other liabilities
$1,875Total equity capital
$1,875Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$150Surplus
$1,575Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$18Income earned, not collected on loans
$0Earning assets
$88Long-term assets (5+ years)
$17,786Average Assets, year-to-date
$6,774Average Assets, quarterly
$18,166Volatile liabilities
$18,528Insider loans
$7,940FHLB advances
$18,450Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,839Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$100Restructured Loans and leases
$235Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$720Total interest income
$56Total interest expense
$664Net interest income
$0Provision for loan and lease losses
$77Total noninterest income
$0Fiduciary activities
$55Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$687Total noninterest expense
$348Salaries and employee benefits
$59Premises and equipment expense
$280Additional noninterest expense
$54Pre-tax net operating income
$0Securities gains (losses)
-$7Applicable income taxes
$61Income before extraordinary items
$0Extraordinary gains - net
$61Net income attributable to bank
$0Net charge-offs
$61Cash dividends
$0Sale, conversion, retirement of capital stock, net
$30Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.30%Yield on earning assets
0.33%Cost of funding earning assets
3.96%Net interest margin
0.46%Noninterest income to earning assets
4.10%Noninterest expense to earning assets
0.34%Net operating income to assets
0.34%Return on assets (ROA)
0.30%Pretax return on assets
3.24%Return on equity (ROE)
1.65%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
92,713Assets per employee
2.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.18%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
472.22%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.26%Net loans and leases to deposits
40.10%Net loans and leases to core deposits
40.10%Equity capital to assets
10.00%Core capital (leverage) ratio
9.97%Tier 1 risk-based capital ratio
23.16%Total risk-based capital ratio
Memoranda
$24Average assets
$18,166Average earning assets
$1,883Average equity
$16,756Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2044
The First National Bank Of Edgewood
119 East Front Street, Edgewood, TX 75117
January 01, 1909
Full Service Brick and Mortar
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