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

This bank is inactive as of January 31, 1997

  • First National Bank in Goldthwaite, Texas (TX)
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First National Bank - Overview

  • General
  • FDIC Certificate #: 25729
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First State Bank Central Texas (#11151)
    Federal Reserve ID: 449056
    Date Established: August 01, 1984
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 17602
    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: August 01, 1984
    Last Structure Change Effective Date: January 31, 1997
    Last Structure Change Process Date: Febuary 25, 1997
    Last Data Update: Febuary 25, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 1301 Fisher Street, Goldthwaite, TX 76844
    County: Mills
    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
  • Financial Summary
  • Total assets: $20.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $8Total assets
  • $20,620Cash and due from depository institutions
  • $1,018Interest-bearing balances
  • $0Securities
  • $2,841Federal funds sold & reverse repurchase agreements
  • $5,716Net loans & leases
  • $10,419Loan loss allowance
  • $177Trading account assets
  • $0Bank premises and fixed assets
  • $423Other real estate owned
  • $0Goodwill and other intangibles
  • $203Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $20,620Total liabilities
  • $18,440Total deposits
  • $18,295Interest-bearing deposits
  • $16,514Deposits held in domestic offices
  • 18295.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $145Total equity capital
  • $145Total bank equity capital
  • $2,180Perpetual preferred stock
  • $0Common stock
  • $785Surplus
  • $785Undivided profits
  • Memoranda
  • $610Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $45Income earned, not collected on loans
  • $173Earning assets
  • $18,976Long-term assets (5+ years)
  • $4,491Average Assets, year-to-date
  • $19,928Average Assets, quarterly
  • $19,937Volatile liabilities
  • $2,839Insider loans
  • $542FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $822Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,188Total risk weighted assets
  • $11,796Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,466Total interest expense
  • $685Net interest income
  • $781Provision for loan and lease losses
  • $0Total noninterest income
  • $109Fiduciary activities
  • $0Service charges on deposit accounts
  • $82Trading account gains & fees
  • $0Additional noninterest income
  • $27Total noninterest expense
  • $585Salaries and employee benefits
  • $272Premises and equipment expense
  • $118Additional noninterest expense
  • $195Pre-tax net operating income
  • $305Securities gains (losses)
  • $0Applicable income taxes
  • $108Income before extraordinary items
  • $197Extraordinary gains - net
  • $0Net income attributable to bank
  • $197Net charge-offs
  • $15Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.90%Cost of funding earning assets
  • 3.69%Net interest margin
  • 4.21%Noninterest income to earning assets
  • 0.59%Noninterest expense to earning assets
  • 3.15%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 1.53%Return on equity (ROE)
  • 9.38%Retained earnings to average equity (YTD only)
  • 9.38%Net charge-offs to loans
  • 0.15%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,730Assets per employee
  • 2.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 393.33%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 56.95%Net loans and leases to core deposits
  • 67.41%Equity capital to assets
  • 10.57%Core capital (leverage) ratio
  • 10.99%Tier 1 risk-based capital ratio
  • 18.55%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $19,928Average earning assets
  • $2,101Average equity
  • $18,560Average loans

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