FDIC Certificate #: 5595 Status: Active Federal Reserve ID: 311265 Bank Holding Company (Regulatory Top Holder): Yoakum National Bancshares, Inc. (RSSDID: 2287225, Location: Yoakum, TX) Date Established: January 01, 1890 WWW:http://www.yoakumnationalbank.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 #: 3809 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: June 21, 2010 Last Structure Change Process Date: June 21, 2010 Last Data Update: June 21, 2010 Data Source Date: April 05, 2012
Location
Address: 301 West Grand Avenue, Yoakum, TX 77995 County: De Witt 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: $180.3 mil Equity capital: $22.5 mil Deposits held in domestic offices: $156.1 mil Return on assets (ROA): 1.01% ($1.8 mil) Quarterly return on assets: 1.24% ($2.2 mil) Return on Equity (ROE): 8.31% ($1.8 mil) Quarterly return on equity: 9.90% ($2.2 mil) Net income: $1.8 mil Quarterly Net income: $0.6 mil Pretax return on assets: 1.37% ($2,469.8 mil) Quarterly Pretax return on assets: 1.66% ($2,992.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
30Total employees (full-time equivalent)
$180,281Total assets
$4,318Cash and due from depository institutions
$1,348Interest-bearing balances
$105,362Securities
$0Federal funds sold & reverse repurchase agreements
$67,304Net loans & leases
$787Loan loss allowance
$0Trading account assets
$1,414Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$180,282Life insurance assets
$1,883All other assets
$157,810Total liabilities and capital
$156,070Total liabilities
$131,570Total deposits
$156,070Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,740Subordinated debt
$22,472All other liabilities
$22,472Total equity capital
$22,472Total bank equity capital
$0Perpetual preferred stock
$1,200Common stock
$1,200Surplus
$20,072Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$389Income earned, not collected on loans
$0Earning assets
$1,124Long-term assets (5+ years)
$174,014Average Assets, year-to-date
$44,046Average Assets, quarterly
$172,820Volatile liabilities
$178,335Insider loans
$77,689FHLB advances
$176,046Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$20,074Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,959Restructured Loans and leases
$2,455Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,741Total interest income
$1,502Total interest expense
$5,239Net interest income
$95Provision for loan and lease losses
$465Total noninterest income
$0Fiduciary activities
$241Service charges on deposit accounts
$0Trading account gains & fees
$224Additional noninterest income
$3,238Total noninterest expense
$1,568Salaries and employee benefits
$498Premises and equipment expense
$1,172Additional noninterest expense
$2,371Pre-tax net operating income
$0Securities gains (losses)
$621Applicable income taxes
$1,750Income before extraordinary items
$0Extraordinary gains - net
$1,750Net income attributable to bank
$0Net charge-offs
$1,750Cash dividends
$49Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.04%Yield on earning assets
0.90%Cost of funding earning assets
3.14%Net interest margin
0.28%Noninterest income to earning assets
1.94%Noninterest expense to earning assets
1.01%Net operating income to assets
1.01%Return on assets (ROA)
1.37%Pretax return on assets
8.31%Return on equity (ROE)
8.31%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
193.88%Credit loss provision to net charge-offs
50.33%Efficiency ratio
56,767Assets per employee
6.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.16%Loss allowance to noncurrent loans
202.31%Noncurrent assets plus other real estate owned to assets
0.22%Noncurrent loans to loans
0.57%Net loans and leases to deposits
43.12%Net loans and leases to core deposits
47.64%Equity capital to assets
12.46%Core capital (leverage) ratio
11.40%Tier 1 risk-based capital ratio
25.84%Total risk-based capital ratio
Memoranda
$27Average assets
$172,820Average earning assets
$21,065Average equity
$166,691Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3809
The Yoakum National Bank
301 West Grand Avenue, Yoakum, TX 77995
January 01, 1890
Full Service Brick and Mortar
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