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


First National Bank - Overview

  • General
  • FDIC Certificate #: 14318
    Status: Active
    Federal Reserve ID: 659257
    Bank Holding Company (Regulatory Top Holder): First National Bank Group, Inc. (RSSDID: 1106516, Location: Edinburg, TX)
    Date Established: January 01, 1934
    WWW: http://www.webfnb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 60 (Domestic: 60, Interstate: No)
    OTS Docket #: 10890
    FDIC's unique #: 8945
    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: Commercial Lending Specialization
    Date of Deposit Insurance: April 30, 1934
    Last Structure Change Effective Date: January 05, 2007
    Last Structure Change Process Date: September 20, 2007
    Last Data Update: September 20, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 West Cano Street, Edinburg, TX 78539
    County: Hidalgo
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): McAllen-Edinburg-Mission, TX (#4880)
    Core Based Statistical Area (CBSA): McAllen-Edinburg-Mission, TX (#32580)
    CBSA Metro Statistical Area: McAllen-Edinburg-Mission, TX (#32580)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $3,517.0 mil
    Equity capital: $327.7 mil
    Deposits held in domestic offices: $2,598.8 mil
    Return on assets (ROA): -0.70% (-$24.6 mil)
    Quarterly return on assets: -2.11% (-$74.2 mil)
    Return on Equity (ROE): -7.64% (-$25.1 mil)
    Quarterly return on equity: -22.46% (-$73.7 mil)
    Net income: -$26.0 mil
    Quarterly Net income: -$18.9 mil
    Pretax return on assets: -1.07% (-$37,631.9 mil)
    Quarterly Pretax return on assets: -3.24% (-$113,950.9 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
  • 802Total employees (full-time equivalent)
  • $3,517,003Total assets
  • $310,655Cash and due from depository institutions
  • $225,528Interest-bearing balances
  • $279,120Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $2,298,230Net loans & leases
  • $78,770Loan loss allowance
  • $0Trading account assets
  • $226,453Bank premises and fixed assets
  • $281,454Other real estate owned
  • $8,813Goodwill and other intangibles
  • $3,517,002Life insurance assets
  • $112,278All other assets
  • $3,189,306Total liabilities and capital
  • $2,598,847Total liabilities
  • $2,008,159Total deposits
  • $2,598,847Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $578,326Trading liabilities
  • $0Other borrowed funds
  • $12,133Subordinated debt
  • $327,696All other liabilities
  • $327,696Total equity capital
  • $327,696Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $162,393Surplus
  • $163,803Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $385,217Income earned, not collected on loans
  • $0Earning assets
  • $15,919Long-term assets (5+ years)
  • $2,802,878Average Assets, year-to-date
  • $1,215,735Average Assets, quarterly
  • $3,710,828Volatile liabilities
  • $3,595,514Insider loans
  • $2,692,279FHLB advances
  • $3,677,850Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $316,583Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $105,920Restructured Loans and leases
  • $26,965Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $168,214Total interest income
  • $59,857Total interest expense
  • $108,357Net interest income
  • $52,016Provision for loan and lease losses
  • $14,394Total noninterest income
  • $980Fiduciary activities
  • $13,501Service charges on deposit accounts
  • $1,951Trading account gains & fees
  • -$2,038Additional noninterest income
  • $113,175Total noninterest expense
  • $43,446Salaries and employee benefits
  • $24,169Premises and equipment expense
  • $45,560Additional noninterest expense
  • -$42,440Pre-tax net operating income
  • $2,897Securities gains (losses)
  • -$13,496Applicable income taxes
  • -$26,047Income before extraordinary items
  • $0Extraordinary gains - net
  • -$26,047Net income attributable to bank
  • $0Net charge-offs
  • -$26,047Cash dividends
  • $39,763Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 1.94%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 3.67%Noninterest expense to earning assets
  • -0.75%Net operating income to assets
  • -0.70%Return on assets (ROA)
  • -1.07%Pretax return on assets
  • -7.64%Return on equity (ROE)
  • -7.64%Retained earnings to average equity (YTD only)
  • 1.56%Net charge-offs to loans
  • 130.82%Credit loss provision to net charge-offs
  • 0.24%Efficiency ratio
  • 92,199Assets per employee
  • 4.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.31%Loss allowance to noncurrent loans
  • 20.45%Noncurrent assets plus other real estate owned to assets
  • 19.01%Noncurrent loans to loans
  • 16.21%Net loans and leases to deposits
  • 88.43%Net loans and leases to core deposits
  • 98.47%Equity capital to assets
  • 9.32%Core capital (leverage) ratio
  • 8.61%Tier 1 risk-based capital ratio
  • 11.76%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $3,710,828Average earning assets
  • $341,047Average equity
  • $3,086,391Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $86,795Managed Assets
  • 1Number of Accounts
  • $76,000Personal trust and agency accounts
  • $48,051Employee benefit-defined contribution accounts
  • $1,975Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $326Corporate trust and agency accounts
  • $1,183Investment management agency accounts
  • $12,268Other fiduciary accounts
  • $12,197Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 159Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $10,795Other retirement accounts
  • $1,908Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 58 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08945First National Bank100 West Cano Street, Edinburg, TX 78539January 01, 1934Full Service Brick and Mortar
    1231296Delta Branch900 East Highway 107, Elsa, TX 78543July 24, 1989Full Service Brick and Mortar
    215469South Closner Branch1920 South Closner, Edinburg, TX 78539April 07, 1976Full Service Brick and Mortar
    3231297East University Branch320 East University, Edinburg, TX 78539July 05, 1991Full Service Brick and Mortar
    4231298Mcallen 23rd St Branch212 North 23rd Street, Mcallen, TX 78501September 20, 1993Full Service Brick and Mortar
    5231299Mercedes Branch301 South Texas Avenue, Mercedes, TX 78570August 15, 1994Full Service Brick and Mortar
    6231300Brownsville Levee Branch701 East Levee, Brownsville, TX 78520June 01, 1996Full Service Brick and Mortar
    7231301Hidalgo Branch524 South Bridge, Hidalgo, TX 78557November 15, 1996Full Service Brick and Mortar
    8231302Pharr1311 South Cage Blvd., Pharr, TX 78577August 01, 1997Full Service Brick and Mortar
    9231303Harlingen Expressway Branch1010 S. Expressway 83, Harlingen, TX 78550August 01, 1997Full Service Brick and Mortar
    10231304Donna Branch503 N.D. Salinas, Donna, TX 78537January 02, 1998Full Service Brick and Mortar
    11231305La Joya Branch701 East Expressway 83, La Joya, TX 78560January 02, 1998Full Service Brick and Mortar
    13231307Mission Branch1709 North Conway, Mission, TX 78572August 01, 1998Full Service Brick and Mortar
    14231308Morgan Branch1221 Morgan Boulevard, Harlingen, TX 78550July 21, 1999Full Service Brick and Mortar
    15231309Mcallen South 10th Branch1821 South 10th Street, Mcallen, TX 78503August 16, 1999Full Service Brick and Mortar
    17231311Weslaco International Branch621 South International Drive, Weslaco, TX 78596November 01, 1999Full Service Brick and Mortar
    19231313Olmito Branch7905 Expressway 77/83, Olmito, TX 78575Febuary 07, 2000Full Service Brick and Mortar
    20356936Trenton Branch7201 North 10th Street, Mcallen, TX 78504June 05, 2000Full Service Brick and Mortar
    21360925North San Antonio Branch7925 N New Braunfels, San Antonio, TX 78209December 04, 2000Full Service Brick and Mortar
    23362894Brownsville Branch25 East Price Road, Brownsville, TX 78520January 07, 2002Full Service Brick and Mortar
    2414449Port Branch1434 S. Port, Corpus Christi, TX 78465January 02, 1973Full Service Brick and Mortar
    25251915Saratoga Branch5921 Saratoga, Corpus Christi, TX 78414July 21, 1997Full Service Brick and Mortar
    26231306Mckinzie Branch3306 Mckinzie, Corpus Christi, TX 78410March 16, 1998Full Service Brick and Mortar
    27360036Six Points Branch1812 South Alameda Street, Corpus Christi, TX 78404Febuary 19, 2001Full Service Brick and Mortar
    28419179Nolana Branch100 E. Nolana, Pharr, TX 78577March 12, 2003Full Service Brick and Mortar
    29420250Border Branch911 W Expressway 83, Weslaco, TX 78596June 30, 2003Full Service Brick and Mortar
    30420251Laredo Branch6002 N. Mcpherson, Laredo, TX 78042November 04, 2002Full Service Brick and Mortar
    31420252Austin Branch1000 E Anderson Ln, Austin, TX 78752December 16, 2002Full Service Brick and Mortar
    32420253Rogers Road Branch2810 N Closner, Edinburg, TX 78539April 02, 2003Full Service Brick and Mortar
    33423436Spring Lake Front1525 Lake Front Circle, Spring, TX 77380November 13, 2003Full Service Brick and Mortar
    35430984Fm 19601817 Fm 1960 West, Houston, TX 77090September 15, 2003Full Service Brick and Mortar
    37430986Ww White1945 S Ww White Rd, San Antonio, TX 78222April 19, 2004Full Service Brick and Mortar
    3916522Lakeway Branch1110 Ranch Road 620 South, Austin, TX 78734November 02, 1981Full Service Brick and Mortar
    40438913Heights332 Columbia, Houston, TX 77007Febuary 24, 2005Full Service Brick and Mortar
    41439395Morrison100 W. Morrison Rd., Brownsville, TX 78520November 22, 2004Full Service Brick and Mortar
    43439397Desoto1701 N. Hampton Rd., Desoto, TX 75115Febuary 07, 2005Full Service Brick and Mortar
    44440194Ferndale Branch8541 Ferndale, Dallas, TX 75238April 04, 2005Full Service Brick and Mortar
    45440453The National Bank Of El Paso4849 North Mesa, El Paso, TX 79912May 09, 2004Full Service Brick and Mortar
    46443177Griggs Branch4401 Griggs Rd, Houston, TX 77021October 04, 2004Full Service Brick and Mortar
    47443178Port Isabel Branch115 E Queen Isabella, Port Isabel, TX 78578August 13, 2001Full Service Brick and Mortar
    48444076Village Laredo Branch6625 San Dario Avenue, Laredo, TX 78041September 06, 2004Full Service Brick and Mortar
    49444586First National Bank, Alamo1329 West Expressway 83, Alamo, TX 78516July 18, 2005Full Service Brick and Mortar
    50445456First National Bank6243 Ih-10 West, San Antonio, TX 78201October 11, 2005Full Service Brick and Mortar
    51445652First National Bank/Branch190 East Whitestone Boulevard, Cedar Park, TX 78613October 24, 2005Full Service Brick and Mortar
    52446966First National Bank, Mangum Branch2305 Mangum Road, Houston, TX 77092January 04, 2006Full Service Brick and Mortar
    53449841First National Bank (Flour Bluff)9517 South Padre Island, Corpus Christi, TX 78418March 06, 2006Full Service Brick and Mortar
    54457050First National Bank, Rio Grande City5332 E. Highway 83, Rio Grande City, TX 78582November 30, 2003Full Service Brick and Mortar
    55457664First National Bank, La Feria100 West Expressway 83, La Feria, TX 78559December 29, 2006Full Service Brick and Mortar
    56459410First National Bank, Los Fresnos Branch1002 West Ocean Boulevard, Los Fresnos, TX 78566December 21, 2006Full Service Brick and Mortar
    5846723959 South Houston Branch11100 Sw Freeway, Houston, TX 77031November 30, 2006Full Service Brick and Mortar
    59467240First National Bank Parmer Metric Br1801 Parmer Ln, Austin, TX 78727June 24, 2007Full Service Brick and Mortar
    61467500Sterling Ridge Houston Branch10767 Kuykendahl Rd, The Woodlands, TX 77382December 21, 2006Full Service Brick and Mortar
    62422232First National Bank Eagle Pass Branc275 So. Bibb Ave, Eagle Pass, TX 78852June 02, 2003Full Service Brick and Mortar
    63469147Grant Road Branch11004 Grant Road, Cypress, TX 77429September 17, 2007Full Service Brick and Mortar
    67493364El Paso Vista Del Sol Branch11860 Vista Del Sol, El Paso, TX 79936October 06, 2008Full Service Brick and Mortar
    68493365Laredo-Guadalupe Branch2102 Guadalupe, Laredo, TX 78043September 22, 2008Full Service Brick and Mortar
    70494007San Antonio Commerce1800 W Commerce, San Antonio, TX 78207May 30, 2009Full Service Brick and Mortar
    71510936First National Bank Mcallen Hackberr721 N 2nd St, Mcallen, TX 78501September 01, 2009Full Service Brick and Mortar

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