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

This bank is inactive as of Febuary 29, 1996

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

  • General
  • FDIC Certificate #: 3345
    Status: Inactive
    Closing history: Consolidated - Without Assistance
    Acquiring institution: West Side Bank and Trust (#18915)
    Federal Reserve ID: 234551
    Date Established: January 01, 1933
    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 #: 2166
    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: January 01, 1934
    Last Structure Change Effective Date: Febuary 29, 1996
    Last Structure Change Process Date: March 08, 1996
    Last Data Update: March 08, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 310 North 9th Street, Midlothian, TX 76065
    County: Ellis
    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): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
  • Financial Summary
  • Total assets: $51.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $24Total assets
  • $51,253Cash and due from depository institutions
  • $2,400Interest-bearing balances
  • $0Securities
  • $19,423Federal funds sold & reverse repurchase agreements
  • $8,170Net loans & leases
  • $19,354Loan loss allowance
  • $233Trading account assets
  • $0Bank premises and fixed assets
  • $844Other real estate owned
  • $649Goodwill and other intangibles
  • $413Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $51,253Total liabilities
  • $46,787Total deposits
  • $46,441Interest-bearing deposits
  • $36,300Deposits held in domestic offices
  • 46441.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $18Subordinated debt
  • $0All other liabilities
  • $328Total equity capital
  • $328Total bank equity capital
  • $4,466Perpetual preferred stock
  • $0Common stock
  • $480Surplus
  • $1,000Undivided profits
  • Memoranda
  • $2,986Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $147Income earned, not collected on loans
  • $173Earning assets
  • $46,947Long-term assets (5+ years)
  • $4,784Average Assets, year-to-date
  • $51,637Average Assets, quarterly
  • $51,619Volatile liabilities
  • $3,589Insider loans
  • $999FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $800Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,435Total risk weighted assets
  • $22,847Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,656Total interest expense
  • $1,559Net interest income
  • $2,097Provision for loan and lease losses
  • $58Total noninterest income
  • $599Fiduciary activities
  • $0Service charges on deposit accounts
  • $508Trading account gains & fees
  • $0Additional noninterest income
  • $91Total noninterest expense
  • $1,896Salaries and employee benefits
  • $980Premises and equipment expense
  • $203Additional noninterest expense
  • $713Pre-tax net operating income
  • $742Securities gains (losses)
  • $0Applicable income taxes
  • $239Income before extraordinary items
  • $503Extraordinary gains - net
  • $0Net income attributable to bank
  • $503Net charge-offs
  • $82Cash dividends
  • $120Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.81%Cost of funding earning assets
  • 3.33%Net interest margin
  • 4.48%Noninterest income to earning assets
  • 1.28%Noninterest expense to earning assets
  • 4.05%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 1.44%Return on equity (ROE)
  • 11.91%Retained earnings to average equity (YTD only)
  • 9.07%Net charge-offs to loans
  • 0.41%Credit loss provision to net charge-offs
  • 70.73%Efficiency ratio
  • 70,326Assets per employee
  • 2.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.86%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 158.50%Noncurrent assets plus other real estate owned to assets
  • 1.55%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 41.67%Net loans and leases to core deposits
  • 45.15%Equity capital to assets
  • 8.71%Core capital (leverage) ratio
  • 8.74%Tier 1 risk-based capital ratio
  • 19.41%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $51,637Average earning assets
  • $4,223Average equity
  • $46,842Average loans

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