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

First National Bank in Whitesboro, Texas (TX)
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First National Bank - Overview

General
FDIC Certificate #: 25778
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: West Side Bank and Trust (#18915)
Federal Reserve ID: 210966
Date Established: October 19, 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 #: 17641
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: October 19, 1984
Last Structure Change Effective Date: December 08, 1994
Last Structure Change Process Date: Febuary 02, 1995
Last Data Update: Febuary 02, 1995
Data Source Date: April 05, 2012
Location
Address: 2500 Highway 82 West, Whitesboro, TX 76273
County: Grayson
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): Sherman-Denison, TX (#7640)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Sherman-Denison, TX (#43300)
CBSA Metro Statistical Area: Sherman-Denison, TX (#43300)
Financial Summary
Total assets: $42.8 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$14Total assets
$42,866Cash and due from depository institutions
$1,768Interest-bearing balances
$597Securities
$13,908Federal funds sold & reverse repurchase agreements
$4,225Net loans & leases
$22,015Loan loss allowance
$236Trading account assets
$0Bank premises and fixed assets
$530Other real estate owned
$9Goodwill and other intangibles
$411Life insurance assets
$0All other assets
$0Total liabilities and capital
$42,866Total liabilities
$38,903Total deposits
$38,649Interest-bearing deposits
$35,797Deposits held in domestic offices
38649.00%% insured (estimated)
$85Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$254Total equity capital
$254Total bank equity capital
$3,963Perpetual preferred stock
$0Common stock
$1,000Surplus
$1,000Undivided profits
Memoranda
$1,963Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5Income earned, not collected on loans
$193Earning assets
$40,745Long-term assets (5+ years)
$4,618Average Assets, year-to-date
$38,665Average Assets, quarterly
$42,967Volatile liabilities
$10,711Insider loans
$786FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,650Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,963Total risk weighted assets
$21,931Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$2,628Total interest expense
$1,100Net interest income
$1,528Provision for loan and lease losses
$0Total noninterest income
$205Fiduciary activities
$0Service charges on deposit accounts
$131Trading account gains & fees
$0Additional noninterest income
$74Total noninterest expense
$988Salaries and employee benefits
$491Premises and equipment expense
$125Additional noninterest expense
$372Pre-tax net operating income
$745Securities gains (losses)
$5Applicable income taxes
$178Income before extraordinary items
$572Extraordinary gains - net
$8Net income attributable to bank
$580Net charge-offs
-$10Cash dividends
$100Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.11%Cost of funding earning assets
2.98%Net interest margin
4.13%Noninterest income to earning assets
0.55%Noninterest expense to earning assets
2.67%Net operating income to assets
1.47%Return on assets (ROA)
1.50%Pretax return on assets
1.96%Return on equity (ROE)
15.47%Retained earnings to average equity (YTD only)
12.80%Net charge-offs to loans
-0.05%Credit loss provision to net charge-offs
0.00%Efficiency ratio
57,011Assets per employee
3.06%Cash dividends to net income (YTD only)
Condition Ratios (%)
17.24%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
4720.00%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.02%Net loans and leases to deposits
56.96%Net loans and leases to core deposits
78.80%Equity capital to assets
9.25%Core capital (leverage) ratio
9.27%Tier 1 risk-based capital ratio
18.07%Total risk-based capital ratio
Memoranda
$19Average assets
$38,665Average earning assets
$3,749Average equity
$36,963Average loans

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

First National Bank - Overview

Assets and Liabilities (December 31, 1993)

Income and Expense (December 31, 1993)

Performance and Condition Ratios (December 31, 1993)

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

First National Bank - Overview

Assets and Liabilities (December 31, 1993)

Income and Expense (December 31, 1993)

Performance and Condition Ratios (December 31, 1993)

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

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