FDIC Certificate #: 3253 Status: Active Federal Reserve ID: 183051 Bank Holding Company (Regulatory Top Holder): First National Bancshares Of Hico, Inc. (RSSDID: 1104811, Location: Hico, TX) Date Established: July 01, 1890 WWW:http://www.fnbhico.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 #: 2101 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: 135 North Pecan, Hico, TX 76457 County: Hamilton 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: $39.7 mil Equity capital: $4.7 mil Deposits held in domestic offices: $35.0 mil Return on assets (ROA): 1.54% ($0.6 mil) Quarterly return on assets: 0.89% ($0.4 mil) Return on Equity (ROE): 13.69% ($0.7 mil) Quarterly return on equity: 7.50% ($0.4 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.54% ($611.1 mil) Quarterly Pretax return on assets: 0.89% ($353.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$39,684Total assets
$5,257Cash and due from depository institutions
$4,505Interest-bearing balances
$19,311Securities
$0Federal funds sold & reverse repurchase agreements
$14,483Net loans & leases
$251Loan loss allowance
$0Trading account assets
$228Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$39,684Life insurance assets
$405All other assets
$34,983Total liabilities and capital
$34,975Total liabilities
$24,089Total deposits
$34,975Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$8Subordinated debt
$4,701All other liabilities
$4,701Total equity capital
$4,701Total bank equity capital
$0Perpetual preferred stock
$130Common stock
$400Surplus
$4,171Undivided 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
$267Long-term assets (5+ years)
$38,299Average Assets, year-to-date
$15,865Average Assets, quarterly
$37,865Volatile liabilities
$39,270Insider loans
$20,331FHLB advances
$39,536Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,300Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$956Restructured Loans and leases
$61Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,553Total interest income
$167Total interest expense
$1,386Net interest income
$0Provision for loan and lease losses
$353Total noninterest income
$0Fiduciary activities
$216Service charges on deposit accounts
$0Trading account gains & fees
$137Additional noninterest income
$1,220Total noninterest expense
$730Salaries and employee benefits
$116Premises and equipment expense
$374Additional noninterest expense
$519Pre-tax net operating income
$66Securities gains (losses)
$0Applicable income taxes
$585Income before extraordinary items
$0Extraordinary gains - net
$585Net income attributable to bank
$0Net charge-offs
$585Cash dividends
$6Sale, conversion, retirement of capital stock, net
$327Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.27%Yield on earning assets
0.46%Cost of funding earning assets
3.82%Net interest margin
0.97%Noninterest income to earning assets
3.36%Noninterest expense to earning assets
1.37%Net operating income to assets
1.54%Return on assets (ROA)
1.54%Pretax return on assets
13.69%Return on equity (ROE)
6.04%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
86.50%Efficiency ratio
70,155Assets per employee
3.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.90%Loss allowance to loans
1.70%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
41.41%Net loans and leases to core deposits
44.93%Equity capital to assets
11.85%Core capital (leverage) ratio
10.88%Tier 1 risk-based capital ratio
21.15%Total risk-based capital ratio
Memoranda
$22Average assets
$37,865Average earning assets
$4,273Average equity
$36,330Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2101
The First National Bank Of Hico
135 North Pecan, Hico, TX 76457
July 01, 1890
Full Service Brick and Mortar
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