Ballinger National Bank in Ballinger, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Ballinger National Bank - Overview

  • General
  • FDIC Certificate #: 34456
    Status: Active
    Federal Reserve ID: 1429028
    Date Established: April 01, 1997
    WWW: http://www.ballingernationalbank.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 #: 57220
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: April 01, 1997
    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: 900 Hutchings Avenue, Ballinger, TX 76821
    County: Runnels
    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: $43.3 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $38.3 mil
    Return on assets (ROA): 0.82% ($0.4 mil)
    Quarterly return on assets: 0.91% ($0.4 mil)
    Return on Equity (ROE): 7.03% ($0.4 mil)
    Quarterly return on equity: 8.15% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.82% ($355.2 mil)
    Quarterly Pretax return on assets: 0.91% ($394.2 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
  • 20Total employees (full-time equivalent)
  • $43,317Total assets
  • $1,924Cash and due from depository institutions
  • $1,060Interest-bearing balances
  • $18,255Securities
  • $2,815Federal funds sold & reverse repurchase agreements
  • $19,435Net loans & leases
  • $272Loan loss allowance
  • $0Trading account assets
  • $265Bank premises and fixed assets
  • $48Other real estate owned
  • $0Goodwill and other intangibles
  • $43,317Life insurance assets
  • $575All other assets
  • $38,710Total liabilities and capital
  • $38,349Total liabilities
  • $27,681Total deposits
  • $38,349Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $361Subordinated debt
  • $4,607All other liabilities
  • $4,607Total equity capital
  • $4,607Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $2,690Surplus
  • $917Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $575Income earned, not collected on loans
  • $0Earning assets
  • $218Long-term assets (5+ years)
  • $41,565Average Assets, year-to-date
  • $23,151Average Assets, quarterly
  • $40,266Volatile liabilities
  • $42,721Insider loans
  • $21,063FHLB advances
  • $43,633Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,324Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,156Restructured Loans and leases
  • $161Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,702Total interest income
  • $172Total interest expense
  • $1,530Net interest income
  • $20Provision for loan and lease losses
  • $444Total noninterest income
  • $0Fiduciary activities
  • $286Service charges on deposit accounts
  • $0Trading account gains & fees
  • $158Additional noninterest income
  • $1,635Total noninterest expense
  • $932Salaries and employee benefits
  • $122Premises and equipment expense
  • $581Additional noninterest expense
  • $319Pre-tax net operating income
  • $13Securities gains (losses)
  • $0Applicable income taxes
  • $332Income before extraordinary items
  • $0Extraordinary gains - net
  • $332Net income attributable to bank
  • $0Net charge-offs
  • $332Cash dividends
  • $16Sale, conversion, retirement of capital stock, net
  • $330Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 4.02%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 4.29%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 7.03%Return on equity (ROE)
  • 0.04%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 125.00%Credit loss provision to net charge-offs
  • 21.19%Efficiency ratio
  • 82,827Assets per employee
  • 2.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 99.40%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 47.30%Noncurrent assets plus other real estate owned to assets
  • 1.44%Noncurrent loans to loans
  • 2.92%Net loans and leases to deposits
  • 50.68%Net loans and leases to core deposits
  • 51.91%Equity capital to assets
  • 10.64%Core capital (leverage) ratio
  • 9.91%Tier 1 risk-based capital ratio
  • 20.53%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $40,266Average earning assets
  • $4,720Average equity
  • $38,081Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057220Ballinger National Bank900 Hutchings Avenue, Ballinger, TX 76821April 01, 1997Full Service Brick and Mortar

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

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Ballinger National Bank.
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.
Table of Contents