FDIC Certificate #: 5529 Status: Active Federal Reserve ID: 342362 Bank Holding Company (Regulatory Top Holder): Industry Bancshares, Inc. (RSSDID: 2112439, Location: Industry, TX) Date Established: November 19, 1900 WWW:http://www.fnbshiner.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 #: 3758 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: December 09, 2008 Last Structure Change Process Date: December 10, 2008 Last Data Update: December 10, 2008 Data Source Date: April 05, 2012
Location
Address: 103 West 7th Street, Shiner, TX 77984 County: Lavaca Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Change in Location
Financial Summary
Total assets: $195.8 mil Equity capital: $21.2 mil Deposits held in domestic offices: $164.2 mil Return on assets (ROA): 1.47% ($2.9 mil) Quarterly return on assets: 1.36% ($2.7 mil) Return on Equity (ROE): 13.31% ($2.8 mil) Quarterly return on equity: 12.12% ($2.5 mil) Net income: $2.4 mil Quarterly Net income: $0.6 mil Pretax return on assets: 1.52% ($2,975.7 mil) Quarterly Pretax return on assets: 1.49% ($2,917.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
25Total employees (full-time equivalent)
$195,770Total assets
$1,936Cash and due from depository institutions
$272Interest-bearing balances
$141,416Securities
$0Federal funds sold & reverse repurchase agreements
$43,279Net loans & leases
$721Loan loss allowance
$0Trading account assets
$3,104Bank premises and fixed assets
$0Other real estate owned
$3,118Goodwill and other intangibles
$195,770Life insurance assets
$2,917All other assets
$174,523Total liabilities and capital
$164,205Total liabilities
$140,914Total deposits
$164,205Interest-bearing deposits
$85Deposits held in domestic offices
7375.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$400Trading liabilities
$0Other borrowed funds
$2,543Subordinated debt
$21,247All other liabilities
$21,247Total equity capital
$21,247Total bank equity capital
$0Perpetual preferred stock
$1,200Common stock
$14,021Surplus
$6,026Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$97Income earned, not collected on loans
$0Earning assets
$1,576Long-term assets (5+ years)
$184,967Average Assets, year-to-date
$159,474Average Assets, quarterly
$163,524Volatile liabilities
$187,456Insider loans
$71,784FHLB advances
$177,686Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,770Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,084Restructured Loans and leases
$1,045Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,918Total interest income
$1,543Total interest expense
$5,375Net interest income
$653Provision for loan and lease losses
$244Total noninterest income
$0Fiduciary activities
$215Service charges on deposit accounts
$0Trading account gains & fees
$29Additional noninterest income
$3,051Total noninterest expense
$1,509Salaries and employee benefits
$249Premises and equipment expense
$1,293Additional noninterest expense
$1,915Pre-tax net operating income
$571Securities gains (losses)
$88Applicable income taxes
$2,398Income before extraordinary items
$0Extraordinary gains - net
$2,398Net income attributable to bank
$0Net charge-offs
$2,398Cash dividends
-$5Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.50%Yield on earning assets
1.00%Cost of funding earning assets
3.50%Net interest margin
0.16%Noninterest income to earning assets
1.99%Noninterest expense to earning assets
1.13%Net operating income to assets
1.47%Return on assets (ROA)
1.52%Pretax return on assets
13.31%Return on equity (ROE)
13.31%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-13060.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
51,860Assets per employee
7.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.64%Loss allowance to noncurrent loans
743.30%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.22%Net loans and leases to deposits
26.36%Net loans and leases to core deposits
30.20%Equity capital to assets
10.85%Core capital (leverage) ratio
8.31%Tier 1 risk-based capital ratio
20.58%Total risk-based capital ratio
Memoranda
$22Average assets
$163,524Average earning assets
$18,022Average equity
$153,579Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3758
The First National Bank Of Shiner
103 West 7th Street, Shiner, TX 77984
November 19, 1900
Full Service Brick and Mortar
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