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

First National Bank in Whitney - Overview

  • General
  • FDIC Certificate #: 5584
    Status: Active
    Federal Reserve ID: 376068
    Bank Holding Company (Regulatory Top Holder): Baylor Bancshares, Inc. (RSSDID: 1104307, Location: Seymour, TX)
    Date Established: January 01, 1932
    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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 3800
    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: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 307 North Brazos St, Whitney, TX 76692
    County: Hill
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $58.2 mil
    Equity capital: $5.6 mil
    Deposits held in domestic offices: $52.5 mil
    Return on assets (ROA): 0.48% ($0.3 mil)
    Quarterly return on assets: 0.08% ($0.0 mil)
    Return on Equity (ROE): 4.94% ($0.3 mil)
    Quarterly return on equity: 0.82% ($0.0 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.71% ($413.0 mil)
    Quarterly Pretax return on assets: 0.17% ($98.9 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
  • 15Total employees (full-time equivalent)
  • $58,166Total assets
  • $8,069Cash and due from depository institutions
  • $5,412Interest-bearing balances
  • $40,080Securities
  • $150Federal funds sold & reverse repurchase agreements
  • $9,327Net loans & leases
  • $395Loan loss allowance
  • $0Trading account assets
  • $156Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $58,167Life insurance assets
  • $384All other assets
  • $52,520Total liabilities and capital
  • $52,467Total liabilities
  • $38,595Total deposits
  • $52,467Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $53Subordinated debt
  • $5,647All other liabilities
  • $5,647Total equity capital
  • $5,647Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $200Surplus
  • $5,247Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $223Long-term assets (5+ years)
  • $54,969Average Assets, year-to-date
  • $40,086Average Assets, quarterly
  • $58,182Volatile liabilities
  • $57,799Insider loans
  • $18,665FHLB advances
  • $58,404Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,773Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,692Restructured Loans and leases
  • $234Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,351Total interest income
  • $289Total interest expense
  • $1,062Net interest income
  • $0Provision for loan and lease losses
  • $479Total noninterest income
  • $0Fiduciary activities
  • $329Service charges on deposit accounts
  • $0Trading account gains & fees
  • $150Additional noninterest income
  • $1,358Total noninterest expense
  • $667Salaries and employee benefits
  • $85Premises and equipment expense
  • $606Additional noninterest expense
  • $183Pre-tax net operating income
  • $233Securities gains (losses)
  • $136Applicable income taxes
  • $280Income before extraordinary items
  • $0Extraordinary gains - net
  • $280Net income attributable to bank
  • $0Net charge-offs
  • $280Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $280Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.53%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 1.99%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.71%Pretax return on assets
  • 4.94%Return on equity (ROE)
  • 0.00%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 30.50%Efficiency ratio
  • 88,125Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.00%Loss allowance to loans
  • 4.06%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
  • 17.78%Net loans and leases to core deposits
  • 17.78%Equity capital to assets
  • 9.71%Core capital (leverage) ratio
  • 9.88%Tier 1 risk-based capital ratio
  • 30.93%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $58,182Average earning assets
  • $5,664Average equity
  • $53,329Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03800First National Bank In Whitney307 North Brazos St, Whitney, TX 76692January 01, 1932Full Service Brick and Mortar
    1207848Laguna Park BranchHighway 56 And Highway 22, Laguna Park, TX 76634May 05, 1997Full Service Brick and Mortar

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