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

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 First National 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