Fannin Bank in Bonham, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Fannin Bank - Overview

  • General
  • FDIC Certificate #: 5589
    Status: Active
    Federal Reserve ID: 377663
    Bank Holding Company (Regulatory Top Holder): Fannin Bancorp, Inc. (RSSDID: 1137284, Location: Bonham, TX)
    Date Established: April 22, 1925
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12679
    FDIC's unique #: 3804
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural 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: 230 East 3rd Street, Bonham, TX 75418
    County: Fannin
    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
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Bonham, TX (#14300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $63.3 mil
    Equity capital: $5.4 mil
    Deposits held in domestic offices: $57.4 mil
    Return on assets (ROA): 1.33% ($0.8 mil)
    Quarterly return on assets: 1.11% ($0.7 mil)
    Return on Equity (ROE): 16.82% ($0.8 mil)
    Quarterly return on equity: 13.12% ($0.7 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.33% ($841.3 mil)
    Quarterly Pretax return on assets: 1.11% ($702.2 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
  • 26Total employees (full-time equivalent)
  • $63,259Total assets
  • $2,290Cash and due from depository institutions
  • $24Interest-bearing balances
  • $16,808Securities
  • $1,212Federal funds sold & reverse repurchase agreements
  • $38,349Net loans & leases
  • $350Loan loss allowance
  • $0Trading account assets
  • $1,415Bank premises and fixed assets
  • $236Other real estate owned
  • $0Goodwill and other intangibles
  • $63,258Life insurance assets
  • $2,949All other assets
  • $57,877Total liabilities and capital
  • $57,402Total liabilities
  • $45,413Total deposits
  • $57,402Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $475Subordinated debt
  • $5,381All other liabilities
  • $5,381Total equity capital
  • $5,381Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $3,750Surplus
  • $1,431Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $202Income earned, not collected on loans
  • $0Earning assets
  • $674Long-term assets (5+ years)
  • $56,393Average Assets, year-to-date
  • $25,053Average Assets, quarterly
  • $62,065Volatile liabilities
  • $63,152Insider loans
  • $39,828FHLB advances
  • $62,806Loans and leases held for sale
  • $1,455Unused loan commitments
  • $1,455Tier 1 (core) risk-based capital
  • $5,105Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,955Restructured Loans and leases
  • $1,176Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,365Total interest income
  • $397Total interest expense
  • $2,968Net interest income
  • $226Provision for loan and lease losses
  • $733Total noninterest income
  • $0Fiduciary activities
  • $472Service charges on deposit accounts
  • $0Trading account gains & fees
  • $261Additional noninterest income
  • $2,792Total noninterest expense
  • $1,444Salaries and employee benefits
  • $443Premises and equipment expense
  • $905Additional noninterest expense
  • $683Pre-tax net operating income
  • $142Securities gains (losses)
  • $0Applicable income taxes
  • $825Income before extraordinary items
  • $0Extraordinary gains - net
  • $825Net income attributable to bank
  • $0Net charge-offs
  • $825Cash dividends
  • $107Sale, conversion, retirement of capital stock, net
  • $387Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.04%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 5.32%Net interest margin
  • 1.31%Noninterest income to earning assets
  • 5.01%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 16.82%Return on equity (ROE)
  • 8.93%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 211.21%Credit loss provision to net charge-offs
  • 8.50%Efficiency ratio
  • 75,439Assets per employee
  • 2.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.91%Loss allowance to loans
  • 0.90%Loss allowance to noncurrent loans
  • 173.27%Noncurrent assets plus other real estate owned to assets
  • 0.69%Noncurrent loans to loans
  • 0.52%Net loans and leases to deposits
  • 66.81%Net loans and leases to core deposits
  • 70.67%Equity capital to assets
  • 8.51%Core capital (leverage) ratio
  • 8.13%Tier 1 risk-based capital ratio
  • 12.82%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $62,065Average earning assets
  • $4,905Average equity
  • $55,749Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03804Fannin Bank230 East 3rd Street, Bonham, TX 75418April 22, 1925Full Service Brick and Mortar
    2473736Honey Grove Branch901 E. Main, Honey Grove, TX 75446March 20, 2008Full 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 Fannin Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents