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

This bank is inactive as of November 05, 2004

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

First National Bank - Overview

  • General
  • FDIC Certificate #: 24422
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Austin Bank, Texas National Association (#3276)
    Federal Reserve ID: 179559
    Date Established: March 21, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    OTS Docket #: 13183
    FDIC's unique #: 16982
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: March 21, 1983
    Last Structure Change Effective Date: November 05, 2004
    Last Structure Change Process Date: January 14, 2005
    Last Data Update: January 14, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 210 North Houston Street, Bullard, TX 75757
    County: Smith
    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
    Metropolitan Statistical Area (MSA): Tyler, TX (#8640)
    Combined Statistical Area (CSA): Tyler-Jacksonville, TX (#540)
    Core Based Statistical Area (CBSA): Tyler, TX (#46340)
    CBSA Metro Statistical Area: Tyler, TX (#46340)
  • Financial Summary
  • Total assets: $42.4 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, 2003)

  • Dollar figures in thousands
  • 20Total employees (full-time equivalent)
  • $43,293Total assets
  • $5,309Cash and due from depository institutions
  • $889Interest-bearing balances
  • $12,888Securities
  • $1,600Federal funds sold & reverse repurchase agreements
  • $22,015Net loans & leases
  • $380Loan loss allowance
  • $0Trading account assets
  • $807Bank premises and fixed assets
  • $2Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $672All other assets
  • $43,293Total liabilities and capital
  • $39,914Total liabilities
  • $39,764Total deposits
  • $31,876Interest-bearing deposits
  • $39,764Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $150All other liabilities
  • $3,379Total equity capital
  • $3,379Total bank equity capital
  • $3,379Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,915Undivided profits
  • Memoranda
  • $464Noncurrent loans and leases
  • $2,242Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $90Earning assets
  • $0Long-term assets (5+ years)
  • $216Average Assets, year-to-date
  • $37,392Average Assets, quarterly
  • $9,092Volatile liabilities
  • $40,283Insider loans
  • $42,012FHLB advances
  • $3,247Loans and leases held for sale
  • $423Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,242Total unused commitments
  • $0Restructured Loans and leases
  • $303Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $1,977Total interest income
  • $704Total interest expense
  • $1,273Net interest income
  • $0Provision for loan and lease losses
  • $444Total noninterest income
  • $0Fiduciary activities
  • $346Service charges on deposit accounts
  • $0Trading account gains & fees
  • $98Additional noninterest income
  • $1,486Total noninterest expense
  • $701Salaries and employee benefits
  • $144Premises and equipment expense
  • $641Additional noninterest expense
  • $231Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $231Income before extraordinary items
  • $0Extraordinary gains - net
  • $231Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $27Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 2.00%Cost of funding earning assets
  • 3.62%Net interest margin
  • 1.26%Noninterest income to earning assets
  • 4.23%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 6.99%Return on equity (ROE)
  • 6.99%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 8.56%Efficiency ratio
  • 86,546Assets per employee
  • 2.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 422.22%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 55.36%Net loans and leases to core deposits
  • 60.29%Equity capital to assets
  • 7.80%Core capital (leverage) ratio
  • 8.05%Tier 1 risk-based capital ratio
  • 13.83%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $40,283Average earning assets
  • $3,304Average equity
  • $35,119Average loans

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