FDIC Certificate #: 5580 Status: Active Federal Reserve ID: 494168 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 #: 3798 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: Other Specialized Lending < 1 Billion 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: 100 North Main Street, West, TX 76691 County: Mclennan 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): Waco, TX (#8800) Core Based Statistical Area (CBSA): Waco, TX (#47380) CBSA Metro Statistical Area: Waco, TX (#47380)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $60.7 mil Equity capital: $5.5 mil Deposits held in domestic offices: $55.1 mil Return on assets (ROA): 0.12% ($0.1 mil) Quarterly return on assets: -0.01% (-$0.0 mil) Return on Equity (ROE): 1.31% ($0.1 mil) Quarterly return on equity: -0.15% (-$0.0 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.15% ($91.0 mil) Quarterly Pretax return on assets: -0.07% (-$42.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$60,680Total assets
$11,262Cash and due from depository institutions
$9,970Interest-bearing balances
$35,024Securities
$0Federal funds sold & reverse repurchase agreements
$13,597Net loans & leases
$266Loan loss allowance
$0Trading account assets
$216Bank premises and fixed assets
$30Other real estate owned
$0Goodwill and other intangibles
$60,680Life insurance assets
$551All other assets
$55,168Total liabilities and capital
$55,143Total liabilities
$35,977Total deposits
$55,143Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$25Subordinated debt
$5,512All other liabilities
$5,512Total equity capital
$5,512Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$100Surplus
$5,312Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$100Income earned, not collected on loans
$0Earning assets
$300Long-term assets (5+ years)
$58,591Average Assets, year-to-date
$6,401Average Assets, quarterly
$59,628Volatile liabilities
$61,498Insider loans
$21,796FHLB advances
$60,949Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,512Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,424Restructured Loans and leases
$122Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,658Total interest income
$231Total interest expense
$1,427Net interest income
$0Provision for loan and lease losses
$283Total noninterest income
$0Fiduciary activities
$186Service charges on deposit accounts
$0Trading account gains & fees
$97Additional noninterest income
$1,619Total noninterest expense
$1,038Salaries and employee benefits
$208Premises and equipment expense
$373Additional noninterest expense
$91Pre-tax net operating income
$0Securities gains (losses)
$19Applicable income taxes
$72Income before extraordinary items
$0Extraordinary gains - net
$72Net income attributable to bank
$0Net charge-offs
$72Cash dividends
$33Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.96%Yield on earning assets
0.41%Cost of funding earning assets
2.54%Net interest margin
0.50%Noninterest income to earning assets
2.89%Noninterest expense to earning assets
0.12%Net operating income to assets
0.12%Return on assets (ROA)
0.15%Pretax return on assets
1.31%Return on equity (ROE)
1.31%Retained earnings to average equity (YTD only)
0.25%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
2.76%Efficiency ratio
94,678Assets per employee
2.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.92%Loss allowance to noncurrent loans
266.00%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.72%Net loans and leases to deposits
24.66%Net loans and leases to core deposits
24.79%Equity capital to assets
9.08%Core capital (leverage) ratio
9.04%Tier 1 risk-based capital ratio
25.29%Total risk-based capital ratio
Memoranda
$27Average assets
$59,628Average earning assets
$5,485Average equity
$56,086Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3798
The State National Bank In West
100 North Main Street, West, TX 76691
January 01, 1909
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The State National Bank in West.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: