First National Bank in city_name, state_name - Detailed Financial Reports, Location

First National Bank in George West, Texas (TX)
Show street view No street view available for this location

First National Bank routing number info

Other nearby banks
First State Bank
The First National Bank of Beeville
Texas Champion Bank
First State Bank of San Diego
The Karnes County National Bank of Karnes City
First State Bank of Odem

First National Bank - Overview

General
FDIC Certificate #: 13919
Status: Active
Federal Reserve ID: 521158
Bank Holding Company (Regulatory Top Holder): Live Oak Bancshares Corporation (RSSDID: 1105685, Location: George West, TX)
Date Established: Febuary 17, 1934
WWW: http://www.fnbgw.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: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 8705
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: Febuary 20, 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: 601 Guadalupe Street, George West, TX 78022
County: Live Oak
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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $230.2 mil
Equity capital: $24.3 mil
Deposits held in domestic offices: $204.7 mil
Return on assets (ROA): 2.24% ($5.2 mil)
Quarterly return on assets: 1.81% ($4.2 mil)
Return on Equity (ROE): 21.45% ($5.1 mil)
Quarterly return on equity: 17.16% ($4.1 mil)
Net income: $4.8 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 2.24% ($5,156.2 mil)
Quarterly Pretax return on assets: 1.81% ($4,166.4 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
65Total employees (full-time equivalent)
$230,188Total assets
$9,672Cash and due from depository institutions
$4,846Interest-bearing balances
$73,360Securities
$0Federal funds sold & reverse repurchase agreements
$139,621Net loans & leases
$3,133Loan loss allowance
$0Trading account assets
$4,677Bank premises and fixed assets
$696Other real estate owned
$0Goodwill and other intangibles
$230,188Life insurance assets
$2,162All other assets
$205,899Total liabilities and capital
$204,730Total liabilities
$147,053Total deposits
$204,730Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,169Subordinated debt
$24,289All other liabilities
$24,289Total equity capital
$24,289Total bank equity capital
$0Perpetual preferred stock
$550Common stock
$2,350Surplus
$21,389Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$926Income earned, not collected on loans
$0Earning assets
$599Long-term assets (5+ years)
$217,827Average Assets, year-to-date
$54,745Average Assets, quarterly
$212,264Volatile liabilities
$226,573Insider loans
$156,556FHLB advances
$229,242Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$22,746Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,413Restructured Loans and leases
$2,783Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,951Total interest income
$1,164Total interest expense
$9,787Net interest income
$315Provision for loan and lease losses
$1,629Total noninterest income
$0Fiduciary activities
$964Service charges on deposit accounts
$0Trading account gains & fees
$665Additional noninterest income
$6,336Total noninterest expense
$3,934Salaries and employee benefits
$871Premises and equipment expense
$1,531Additional noninterest expense
$4,765Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$4,765Income before extraordinary items
$0Extraordinary gains - net
$4,765Net income attributable to bank
$0Net charge-offs
$4,765Cash dividends
$195Sale, conversion, retirement of capital stock, net
$1,614Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.47%Yield on earning assets
0.58%Cost of funding earning assets
4.89%Net interest margin
0.81%Noninterest income to earning assets
3.17%Noninterest expense to earning assets
2.24%Net operating income to assets
2.24%Return on assets (ROA)
2.24%Pretax return on assets
21.45%Return on equity (ROE)
14.19%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
161.54%Credit loss provision to net charge-offs
26.05%Efficiency ratio
55,501Assets per employee
3.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
33.87%Loss allowance to loans
2.19%Loss allowance to noncurrent loans
338.34%Noncurrent assets plus other real estate owned to assets
0.70%Noncurrent loans to loans
0.65%Net loans and leases to deposits
68.20%Net loans and leases to core deposits
76.22%Equity capital to assets
10.55%Core capital (leverage) ratio
9.92%Tier 1 risk-based capital ratio
14.53%Total risk-based capital ratio
Memoranda
$16Average assets
$212,264Average earning assets
$22,211Average equity
$200,176Average loans

List of branches

4 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8705	First National Bank	601 Guadalupe Street, George West, TX 78022	Febuary 17, 1934	Full Service Brick and Mortar
1	230642	Three Rivers Branch	803 Harborth Avenue, Three Rivers, TX 78071	Febuary 04, 1991	Full Service Brick and Mortar
2	230643	Floresville Branch	545 Tenth Street, Floresville, TX 78114	August 11, 1997	Full Service Brick and Mortar
3	362807	San Antonio Branch	144 Moursund Boulevard, San Antonio, TX 78221	November 04, 2001	Full Service Brick and Mortar

First National Bank in George West, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First National Bank in George West, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First National Bank in George West, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches