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

This bank is inactive as of March 22, 2008

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

  • General
  • FDIC Certificate #: 3115
    Status: Inactive
    Closing history: Change in Geographic Region/Area/Territory/Field Office
    Acquiring institution: The First National Bank of Sterling City (#5538)
    Federal Reserve ID: 228952
    Date Established: January 01, 1906
    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)
    OTS Docket #: 11994
    FDIC's unique #: 1989
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 22, 2008
    Last Structure Change Process Date: April 01, 2008
    Last Data Update: April 01, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 West Main Street, Bronte, TX 76933
    County: Coke
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merger - Without Assistance
    Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $25.7 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, 2007)

  • Dollar figures in thousands
  • 10Total employees (full-time equivalent)
  • $25,747Total assets
  • $5,721Cash and due from depository institutions
  • $4,684Interest-bearing balances
  • $11,035Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $8,326Net loans & leases
  • $117Loan loss allowance
  • $0Trading account assets
  • $248Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $417All other assets
  • $25,747Total liabilities and capital
  • $22,714Total liabilities
  • $22,475Total deposits
  • $18,885Interest-bearing deposits
  • $22,475Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $239All other liabilities
  • $3,033Total equity capital
  • $3,033Total bank equity capital
  • $3,033Perpetual preferred stock
  • $0Common stock
  • $50Surplus
  • $150Undivided profits
  • Memoranda
  • $2,833Noncurrent loans and leases
  • $1,260Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $124Average Assets, year-to-date
  • $24,045Average Assets, quarterly
  • $5,795Volatile liabilities
  • $23,747Insider loans
  • $24,826FHLB advances
  • $2,121Loans and leases held for sale
  • $118Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,260Total unused commitments
  • $0Restructured Loans and leases
  • $117Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $1,339Total interest income
  • $466Total interest expense
  • $873Net interest income
  • $5Provision for loan and lease losses
  • $241Total noninterest income
  • $0Fiduciary activities
  • $105Service charges on deposit accounts
  • $0Trading account gains & fees
  • $136Additional noninterest income
  • $878Total noninterest expense
  • $478Salaries and employee benefits
  • $137Premises and equipment expense
  • $263Additional noninterest expense
  • $231Pre-tax net operating income
  • -$5Securities gains (losses)
  • $54Applicable income taxes
  • $172Income before extraordinary items
  • $0Extraordinary gains - net
  • $172Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $19Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.03%Yield on earning assets
  • 2.10%Cost of funding earning assets
  • 3.93%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 3.95%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 5.98%Return on equity (ROE)
  • 5.32%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 38.46%Credit loss provision to net charge-offs
  • 18.15%Efficiency ratio
  • 78,815Assets per employee
  • 2.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.05%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 37.05%Net loans and leases to core deposits
  • 40.91%Equity capital to assets
  • 11.78%Core capital (leverage) ratio
  • 12.48%Tier 1 risk-based capital ratio
  • 28.83%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $23,747Average earning assets
  • $2,876Average equity
  • $22,209Average loans

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