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

This bank is inactive as of April 12, 1996

The First National Bank of Henrietta in Henrietta, Texas (TX)
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The First National Bank of Henrietta - Overview

General
FDIC Certificate #: 3251
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Norwest Bank Texas, Wichita Falls, National Association (#3365)
Federal Reserve ID: 180452
Date Established: October 28, 1933
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 2099
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 12, 1996
Last Structure Change Process Date: April 25, 1996
Last Data Update: April 25, 1996
Data Source Date: April 05, 2012
Location
Address: 206 North Bridge Street, Henrietta, TX 76365
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)
Financial Summary
Total assets: $83.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$21Total assets
$66,776Cash and due from depository institutions
$1,970Interest-bearing balances
$0Securities
$23,592Federal funds sold & reverse repurchase agreements
$11,050Net loans & leases
$29,001Loan loss allowance
$528Trading account assets
$0Bank premises and fixed assets
$334Other real estate owned
$0Goodwill and other intangibles
$829Life insurance assets
$0All other assets
$0Total liabilities and capital
$66,776Total liabilities
$59,156Total deposits
$58,815Interest-bearing deposits
$49,647Deposits held in domestic offices
58815.00%% insured (estimated)
$87Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$341Total equity capital
$341Total bank equity capital
$7,620Perpetual preferred stock
$0Common stock
$300Surplus
$1,000Undivided profits
Memoranda
$6,320Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$225Income earned, not collected on loans
$351Earning assets
$63,643Long-term assets (5+ years)
$9,147Average Assets, year-to-date
$63,059Average Assets, quarterly
$65,565Volatile liabilities
$6,850Insider loans
$429FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,641Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,570Total risk weighted assets
$35,222Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$5,449Total interest expense
$2,016Net interest income
$3,433Provision for loan and lease losses
$0Total noninterest income
$528Fiduciary activities
$0Service charges on deposit accounts
$260Trading account gains & fees
$0Additional noninterest income
$268Total noninterest expense
$1,616Salaries and employee benefits
$1,038Premises and equipment expense
$161Additional noninterest expense
$417Pre-tax net operating income
$2,345Securities gains (losses)
$0Applicable income taxes
$721Income before extraordinary items
$1,624Extraordinary gains - net
$0Net income attributable to bank
$1,624Net charge-offs
-$75Cash dividends
$800Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.07%Cost of funding earning assets
3.36%Net interest margin
5.71%Noninterest income to earning assets
0.88%Noninterest expense to earning assets
2.69%Net operating income to assets
2.58%Return on assets (ROA)
2.58%Pretax return on assets
3.72%Return on equity (ROE)
23.21%Retained earnings to average equity (YTD only)
11.78%Net charge-offs to loans
-0.25%Credit loss provision to net charge-offs
0.00%Efficiency ratio
40,798Assets per employee
3.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.26%Loss allowance to loans
1.79%Loss allowance to noncurrent loans
234.67%Noncurrent assets plus other real estate owned to assets
0.34%Noncurrent loans to loans
0.76%Net loans and leases to deposits
49.31%Net loans and leases to core deposits
55.81%Equity capital to assets
11.41%Core capital (leverage) ratio
11.53%Tier 1 risk-based capital ratio
21.49%Total risk-based capital ratio
Memoranda
$23Average assets
$63,059Average earning assets
$6,997Average equity
$60,082Average loans

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