FDIC Certificate #: 3303 Status: Active Federal Reserve ID: 811457 Date Established: January 01, 1907 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 #: 2139 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: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 101 East Lipan Drive, Lipan, TX 76462 County: Hood 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 Metropolitan Statistical Area (MSA): Fort Worth-Arlington, TX (#2800) Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31) Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Granbury, TX (#24180) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $17.5 mil Equity capital: $1.6 mil Deposits held in domestic offices: $15.9 mil Return on assets (ROA): 0.25% ($0.0 mil) Quarterly return on assets: 0.09% ($0.0 mil) Return on Equity (ROE): 2.73% ($0.1 mil) Quarterly return on equity: 1.01% ($0.0 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.25% ($43.7 mil) Quarterly Pretax return on assets: 0.07% ($12.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$17,481Total assets
$3,266Cash and due from depository institutions
$0Interest-bearing balances
$1,500Securities
$4,110Federal funds sold & reverse repurchase agreements
$8,302Net loans & leases
$90Loan loss allowance
$0Trading account assets
$88Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$17,481Life insurance assets
$215All other assets
$15,890Total liabilities and capital
$15,859Total liabilities
$9,223Total deposits
$15,859Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$31Subordinated debt
$1,591All other liabilities
$1,591Total equity capital
$1,591Total bank equity capital
$0Perpetual preferred stock
$25Common stock
$425Surplus
$1,141Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2Income earned, not collected on loans
$0Earning assets
$47Long-term assets (5+ years)
$13,912Average Assets, year-to-date
$1,037Average Assets, quarterly
$17,109Volatile liabilities
$17,342Insider loans
$9,109FHLB advances
$17,237Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,591Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$76Restructured Loans and leases
$357Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$668Total interest income
$79Total interest expense
$589Net interest income
$0Provision for loan and lease losses
$122Total noninterest income
$0Fiduciary activities
$23Service charges on deposit accounts
$0Trading account gains & fees
$99Additional noninterest income
$668Total noninterest expense
$339Salaries and employee benefits
$66Premises and equipment expense
$263Additional noninterest expense
$43Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$43Income before extraordinary items
$0Extraordinary gains - net
$43Net income attributable to bank
$0Net charge-offs
$43Cash dividends
$28Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.71%Yield on earning assets
0.56%Cost of funding earning assets
4.15%Net interest margin
0.86%Noninterest income to earning assets
4.71%Noninterest expense to earning assets
0.25%Net operating income to assets
0.25%Return on assets (ROA)
0.25%Pretax return on assets
2.73%Return on equity (ROE)
2.73%Retained earnings to average equity (YTD only)
0.33%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
1.54%Efficiency ratio
93,952Assets per employee
2.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
4500.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.02%Net loans and leases to deposits
52.35%Net loans and leases to core deposits
54.46%Equity capital to assets
9.10%Core capital (leverage) ratio
9.23%Tier 1 risk-based capital ratio
17.47%Total risk-based capital ratio
Memoranda
$18Average assets
$17,109Average earning assets
$1,577Average equity
$14,197Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2139
The First National Bank Of Lipan
101 East Lipan Drive, Lipan, TX 76462
January 01, 1907
Full Service Brick and Mortar
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