FDIC Certificate #: 3197 Status: Active Federal Reserve ID: 393252 Bank Holding Company (Regulatory Top Holder): Floyd County Bancshares, Inc. (RSSDID: 1104941, Location: Floydada, TX) Date Established: January 01, 1890 WWW:http://www.fnbfloydada.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 #: 2057 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: Yes 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: 124 South Main Street, Floydada, TX 79235 County: Floyd 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 Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $106.5 mil Equity capital: $11.7 mil Deposits held in domestic offices: $94.7 mil Return on assets (ROA): 1.33% ($1.4 mil) Quarterly return on assets: 1.43% ($1.5 mil) Return on Equity (ROE): 10.95% ($1.3 mil) Quarterly return on equity: 11.90% ($1.4 mil) Net income: $1.3 mil Quarterly Net income: $0.4 mil Pretax return on assets: 1.33% ($1,416.1 mil) Quarterly Pretax return on assets: 1.43% ($1,522.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$106,475Total assets
$37,750Cash and due from depository institutions
$27,089Interest-bearing balances
$21,023Securities
$9,000Federal funds sold & reverse repurchase agreements
$36,839Net loans & leases
$859Loan loss allowance
$0Trading account assets
$651Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$106,475Life insurance assets
$1,212All other assets
$94,768Total liabilities and capital
$94,697Total liabilities
$63,176Total deposits
$94,697Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$71Subordinated debt
$11,707All other liabilities
$11,707Total equity capital
$11,707Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$500Surplus
$11,007Undivided 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
$1,028Long-term assets (5+ years)
$93,951Average Assets, year-to-date
$17,778Average Assets, quarterly
$99,067Volatile liabilities
$101,286Insider loans
$87,396FHLB advances
$105,498Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,360Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,845Restructured Loans and leases
$1,726Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,946Total interest income
$333Total interest expense
$2,613Net interest income
$0Provision for loan and lease losses
$174Total noninterest income
$0Fiduciary activities
$159Service charges on deposit accounts
$0Trading account gains & fees
$15Additional noninterest income
$1,469Total noninterest expense
$848Salaries and employee benefits
$104Premises and equipment expense
$517Additional noninterest expense
$1,318Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,318Income before extraordinary items
$0Extraordinary gains - net
$1,318Net income attributable to bank
$0Net charge-offs
$1,318Cash dividends
$4Sale, conversion, retirement of capital stock, net
$1,251Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.50%Yield on earning assets
0.40%Cost of funding earning assets
3.11%Net interest margin
0.21%Noninterest income to earning assets
1.75%Noninterest expense to earning assets
1.33%Net operating income to assets
1.33%Return on assets (ROA)
1.33%Pretax return on assets
10.95%Return on equity (ROE)
0.56%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
329.50%Efficiency ratio
52,709Assets per employee
8.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
94.92%Loss allowance to loans
2.28%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
38.90%Net loans and leases to core deposits
38.90%Equity capital to assets
11.00%Core capital (leverage) ratio
10.77%Tier 1 risk-based capital ratio
13.00%Total risk-based capital ratio
Memoranda
$14Average assets
$99,067Average earning assets
$12,038Average equity
$84,077Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2057
The First National Bank Of Floydada
124 South Main Street, Floydada, TX 79235
January 01, 1890
Full Service Brick and Mortar
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