The First National Bank of Seymour in city_name, state_name

The First National Bank of Seymour in Seymour, Texas (TX)
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The First National Bank of Seymour routing number info

The First National Bank of Seymour - Overview

General
FDIC Certificate #: 5525
Status: Active
Federal Reserve ID: 402462
Bank Holding Company (Regulatory Top Holder): Baylor Bancshares, Inc. (RSSDID: 1104307, Location: Seymour, TX)
Date Established: March 05, 1890
WWW: http://www.fnbseymour.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: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 3754
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: No
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: 201 North Washington Street, Seymour, TX 76380
County: Baylor
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: $46.0 mil
Equity capital: $4.4 mil
Deposits held in domestic offices: $41.6 mil
Return on assets (ROA): 0.80% ($0.4 mil)
Quarterly return on assets: 0.57% ($0.3 mil)
Return on Equity (ROE): 8.04% ($0.3 mil)
Quarterly return on equity: 5.76% ($0.2 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.23% ($566.3 mil)
Quarterly Pretax return on assets: 0.89% ($409.8 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
14Total employees (full-time equivalent)
$46,040Total assets
$2,981Cash and due from depository institutions
$0Interest-bearing balances
$33,114Securities
$700Federal funds sold & reverse repurchase agreements
$8,778Net loans & leases
$158Loan loss allowance
$0Trading account assets
$42Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$46,040Life insurance assets
$425All other assets
$41,637Total liabilities and capital
$41,584Total liabilities
$22,547Total deposits
$41,584Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$53Subordinated debt
$4,403All other liabilities
$4,403Total equity capital
$4,403Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$1,550Surplus
$2,603Undivided 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
$239Long-term assets (5+ years)
$42,592Average Assets, year-to-date
$33,546Average Assets, quarterly
$45,469Volatile liabilities
$46,519Insider loans
$16,525FHLB advances
$46,703Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,500Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,969Restructured Loans and leases
$41Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,128Total interest income
$152Total interest expense
$976Net interest income
$0Provision for loan and lease losses
$310Total noninterest income
$52Fiduciary activities
$232Service charges on deposit accounts
$0Trading account gains & fees
$26Additional noninterest income
$1,106Total noninterest expense
$598Salaries and employee benefits
$76Premises and equipment expense
$432Additional noninterest expense
$180Pre-tax net operating income
$378Securities gains (losses)
$195Applicable income taxes
$363Income before extraordinary items
$0Extraordinary gains - net
$363Net income attributable to bank
$0Net charge-offs
$363Cash dividends
$0Sale, conversion, retirement of capital stock, net
$363Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
2.72%Yield on earning assets
0.37%Cost of funding earning assets
2.35%Net interest margin
0.75%Noninterest income to earning assets
2.66%Noninterest expense to earning assets
0.26%Net operating income to assets
0.80%Return on assets (ROA)
1.23%Pretax return on assets
8.04%Return on equity (ROE)
0.00%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
86,003Assets per employee
3.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
100.00%Loss allowance to loans
1.77%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
21.11%Net loans and leases to core deposits
21.37%Equity capital to assets
9.56%Core capital (leverage) ratio
9.64%Tier 1 risk-based capital ratio
27.23%Total risk-based capital ratio
Memoranda
$28Average assets
$45,469Average earning assets
$4,513Average equity
$41,529Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$5,268Managed Assets
1Number of Accounts
$5,268Personal trust and agency accounts
$5,268Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
29Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	3754	The First National Bank Of Seymour	201 North Washington Street, Seymour, TX 76380	March 05, 1890	Full Service Brick and Mortar
1	825	Matador Branch Fnb Seymour	1025 Main St., Matador, TX 79244	January 01, 1907	Full Service Brick and Mortar

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

The First National Bank of Seymour - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

The First National Bank of Seymour - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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