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

First National Bank - Overview

  • General
  • FDIC Certificate #: 26543
    Status: Active
    Federal Reserve ID: 375566
    Bank Holding Company (Regulatory Top Holder): Wichita Falls Bancshares, Inc. (RSSDID: 1137538, Location: Wichita Falls, TX)
    Date Established: January 29, 1986
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 35232
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 29, 1986
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 3801 Fairway Boulevard, Wichita Falls, TX 76310
    County: Wichita
    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): Wichita Falls, TX (#9080)
    Core Based Statistical Area (CBSA): Wichita Falls, TX (#48660)
    CBSA Metro Statistical Area: Wichita Falls, TX (#48660)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $310.6 mil
    Equity capital: $30.2 mil
    Deposits held in domestic offices: $259.4 mil
    Return on assets (ROA): 1.36% ($4.2 mil)
    Quarterly return on assets: 2.09% ($6.5 mil)
    Return on Equity (ROE): 14.27% ($4.3 mil)
    Quarterly return on equity: 21.22% ($6.4 mil)
    Net income: $4.0 mil
    Quarterly Net income: $1.6 mil
    Pretax return on assets: 1.36% ($4,224.6 mil)
    Quarterly Pretax return on assets: 2.09% ($6,492.1 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
  • 115Total employees (full-time equivalent)
  • $310,629Total assets
  • $9,443Cash and due from depository institutions
  • $2,464Interest-bearing balances
  • $56,738Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $230,799Net loans & leases
  • $2,650Loan loss allowance
  • $0Trading account assets
  • $2,892Bank premises and fixed assets
  • $1,626Other real estate owned
  • $0Goodwill and other intangibles
  • $310,629Life insurance assets
  • $9,131All other assets
  • $280,382Total liabilities and capital
  • $259,392Total liabilities
  • $203,773Total deposits
  • $259,392Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,500Trading liabilities
  • $0Other borrowed funds
  • $1,490Subordinated debt
  • $30,247All other liabilities
  • $30,247Total equity capital
  • $30,247Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $13,637Surplus
  • $15,860Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $45,071Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,689Income earned, not collected on loans
  • $22Earning assets
  • $1,324Long-term assets (5+ years)
  • $290,001Average Assets, year-to-date
  • $100,015Average Assets, quarterly
  • $296,755Volatile liabilities
  • $303,294Insider loans
  • $219,700FHLB advances
  • $308,894Loans and leases held for sale
  • $4,378Unused loan commitments
  • $4,378Tier 1 (core) risk-based capital
  • $27,511Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,945Restructured Loans and leases
  • $718Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,543Total interest income
  • $2,570Total interest expense
  • $12,973Net interest income
  • $1,200Provision for loan and lease losses
  • $5,040Total noninterest income
  • $0Fiduciary activities
  • $448Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,592Additional noninterest income
  • $13,174Total noninterest expense
  • $8,138Salaries and employee benefits
  • $1,572Premises and equipment expense
  • $3,464Additional noninterest expense
  • $3,639Pre-tax net operating income
  • $401Securities gains (losses)
  • $0Applicable income taxes
  • $4,040Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,040Net income attributable to bank
  • $0Net charge-offs
  • $4,040Cash dividends
  • $1,200Sale, conversion, retirement of capital stock, net
  • $1,898Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.62%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.69%Net interest margin
  • 1.82%Noninterest income to earning assets
  • 4.76%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 1.36%Pretax return on assets
  • 14.27%Return on equity (ROE)
  • 7.57%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 4.03%Efficiency ratio
  • 73,136Assets per employee
  • 2.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.98%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 71.84%Noncurrent assets plus other real estate owned to assets
  • 1.71%Noncurrent loans to loans
  • 1.58%Net loans and leases to deposits
  • 88.98%Net loans and leases to core deposits
  • 99.97%Equity capital to assets
  • 9.74%Core capital (leverage) ratio
  • 8.91%Tier 1 risk-based capital ratio
  • 12.52%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $296,755Average earning assets
  • $28,314Average equity
  • $276,688Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    035232First National Bank3801 Fairway Boulevard, Wichita Falls, TX 76310January 29, 1986Full Service Brick and Mortar
    1259668Midwestern Branch2304 Midwestern Parkway, Wichita Falls, TX 76308August 07, 1995Full Service Brick and Mortar
    2359780Town Square Branch1540 East Southlake Boulevard, Southlake, TX 76092Febuary 05, 2001Full Service Brick and Mortar
    3492909Town Square Mortgage Branch1253 Main, Southlake, TX 76092January 05, 2009Full Service Brick and Mortar

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