FDIC Certificate #: 3377 Status: Active Federal Reserve ID: 1014965 Bank Holding Company (Regulatory Top Holder): First Paducah Bancshares Of Texas (RSSDID: 2341565, Location: Paducah, TX) Date Established: January 01, 1909 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 #: 2194 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: Tenth And Bacus Streets, Paducah, TX 79248 County: Cottle 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: $55.9 mil Equity capital: $4.0 mil Deposits held in domestic offices: $51.9 mil Return on assets (ROA): -1.76% (-$1.0 mil) Quarterly return on assets: -0.57% (-$0.3 mil) Return on Equity (ROE): -22.63% (-$0.9 mil) Quarterly return on equity: -7.90% (-$0.3 mil) Net income: -$1.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -1.76% (-$983.6 mil) Quarterly Pretax return on assets: -0.57% (-$318.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$55,886Total assets
$4,914Cash and due from depository institutions
$0Interest-bearing balances
$19,443Securities
$15,800Federal funds sold & reverse repurchase agreements
$14,934Net loans & leases
$229Loan loss allowance
$0Trading account assets
$79Bank premises and fixed assets
$115Other real estate owned
$19Goodwill and other intangibles
$55,886Life insurance assets
$582All other assets
$51,930Total liabilities and capital
$51,852Total liabilities
$41,892Total deposits
$51,852Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$78Subordinated debt
$3,956All other liabilities
$3,956Total equity capital
$3,956Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$300Surplus
$3,356Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$591Income earned, not collected on loans
$0Earning assets
$431Long-term assets (5+ years)
$50,177Average Assets, year-to-date
$7,102Average Assets, quarterly
$56,327Volatile liabilities
$55,789Insider loans
$24,255FHLB advances
$54,618Loans and leases held for sale
$16Unused loan commitments
$16Tier 1 (core) risk-based capital
$3,913Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,416Restructured Loans and leases
$559Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,506Total interest income
$504Total interest expense
$1,002Net interest income
$1,104Provision for loan and lease losses
$114Total noninterest income
$0Fiduciary activities
$66Service charges on deposit accounts
$0Trading account gains & fees
$48Additional noninterest income
$1,002Total noninterest expense
$477Salaries and employee benefits
$89Premises and equipment expense
$436Additional noninterest expense
-$990Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$990Income before extraordinary items
$0Extraordinary gains - net
-$990Net income attributable to bank
$0Net charge-offs
-$990Cash dividends
$1,113Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.97%Yield on earning assets
0.99%Cost of funding earning assets
1.97%Net interest margin
0.22%Noninterest income to earning assets
1.97%Noninterest expense to earning assets
-1.76%Net operating income to assets
-1.76%Return on assets (ROA)
-1.76%Pretax return on assets
-22.63%Return on equity (ROE)
-22.63%Retained earnings to average equity (YTD only)
6.73%Net charge-offs to loans
99.19%Credit loss provision to net charge-offs
0.10%Efficiency ratio
89,068Assets per employee
4.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.51%Loss allowance to noncurrent loans
38.75%Noncurrent assets plus other real estate owned to assets
1.26%Noncurrent loans to loans
3.90%Net loans and leases to deposits
28.80%Net loans and leases to core deposits
29.98%Equity capital to assets
7.08%Core capital (leverage) ratio
7.16%Tier 1 risk-based capital ratio
16.13%Total risk-based capital ratio
Memoranda
$17Average assets
$56,327Average earning assets
$4,374Average equity
$50,782Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2194
The First National Bank Of Paducah
Tenth And Bacus Streets, Paducah, TX 79248
January 01, 1909
Full Service Brick and Mortar
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