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


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

The First National Bank of Winnsboro - Overview

  • General
  • FDIC Certificate #: 5590
    Status: Active
    Federal Reserve ID: 501767
    Bank Holding Company (Regulatory Top Holder): Etex Banco, Inc. (RSSDID: 1102170, Location: Winnsboro, TX)
    Date Established: January 01, 1893
    WWW: http://www.fnbwinnsboro.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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 12096
    FDIC's unique #: 3805
    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: Commercial Lending 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: 315 North Main Street, Winnsboro, TX 75494
    County: Wood
    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: $145.5 mil
    Equity capital: $22.6 mil
    Deposits held in domestic offices: $108.3 mil
    Return on assets (ROA): 0.40% ($0.6 mil)
    Quarterly return on assets: 0.44% ($0.6 mil)
    Return on Equity (ROE): 2.76% ($0.6 mil)
    Quarterly return on equity: 2.91% ($0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.39% ($567.3 mil)
    Quarterly Pretax return on assets: 0.42% ($610.9 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
  • 36Total employees (full-time equivalent)
  • $145,460Total assets
  • $19,758Cash and due from depository institutions
  • $13,281Interest-bearing balances
  • $25,992Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $83,336Net loans & leases
  • $2,028Loan loss allowance
  • $0Trading account assets
  • $3,422Bank premises and fixed assets
  • $3,703Other real estate owned
  • $447Goodwill and other intangibles
  • $145,460Life insurance assets
  • $8,802All other assets
  • $122,896Total liabilities and capital
  • $108,250Total liabilities
  • $84,794Total deposits
  • $108,250Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,320Trading liabilities
  • $0Other borrowed funds
  • $4,326Subordinated debt
  • $22,564All other liabilities
  • $22,564Total equity capital
  • $22,564Total bank equity capital
  • $0Perpetual preferred stock
  • $1,022Common stock
  • $3,000Surplus
  • $18,542Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,415Income earned, not collected on loans
  • $0Earning assets
  • $666Long-term assets (5+ years)
  • $122,609Average Assets, year-to-date
  • $42,573Average Assets, quarterly
  • $148,955Volatile liabilities
  • $149,341Insider loans
  • $99,237FHLB advances
  • $145,897Loans and leases held for sale
  • $5,347Unused loan commitments
  • $4,082Tier 1 (core) risk-based capital
  • $22,786Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,265Total unused commitments
  • $4,228Restructured Loans and leases
  • $1,624Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,935Total interest income
  • $889Total interest expense
  • $5,046Net interest income
  • -$75Provision for loan and lease losses
  • $1,157Total noninterest income
  • $0Fiduciary activities
  • $586Service charges on deposit accounts
  • $0Trading account gains & fees
  • $571Additional noninterest income
  • $5,739Total noninterest expense
  • $2,476Salaries and employee benefits
  • $648Premises and equipment expense
  • $2,615Additional noninterest expense
  • $539Pre-tax net operating income
  • $41Securities gains (losses)
  • -$21Applicable income taxes
  • $601Income before extraordinary items
  • $0Extraordinary gains - net
  • $601Net income attributable to bank
  • $0Net charge-offs
  • $601Cash dividends
  • $494Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 4.58%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 2.76%Return on equity (ROE)
  • 2.76%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • -15.18%Credit loss provision to net charge-offs
  • 0.94%Efficiency ratio
  • 91,166Assets per employee
  • 4.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.38%Loss allowance to noncurrent loans
  • 24.10%Noncurrent assets plus other real estate owned to assets
  • 8.33%Noncurrent loans to loans
  • 9.86%Net loans and leases to deposits
  • 76.98%Net loans and leases to core deposits
  • 88.52%Equity capital to assets
  • 15.51%Core capital (leverage) ratio
  • 15.62%Tier 1 risk-based capital ratio
  • 22.96%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $148,955Average earning assets
  • $21,807Average equity
  • $125,317Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    03805The First National Bank Of Winnsboro315 North Main Street, Winnsboro, TX 75494January 01, 1893Full Service Brick and Mortar
    2207851Winona-Owentown Branch11120 State Highway 155 North, Winona, TX 75792July 24, 1995Full Service Brick and Mortar
    315723South Town Branch100 E Coke Road, Winnsboro, TX 75494November 04, 1977Limited Service Facility

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