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

First National Bank of Alvin - Overview

  • General
  • FDIC Certificate #: 18282
    Status: Active
    Federal Reserve ID: 354057
    Bank Holding Company (Regulatory Top Holder): Coastal Bancshares, Inc. (RSSDID: 2184043, Location: Pearland, TX)
    Date Established: August 01, 1960
    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 #: 12198
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: August 01, 1960
    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: State Hwy. 6 And State Hwy 35 Bypass, Alvin, TX 77511
    County: Brazoria
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Brazoria, TX (#1145)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $111.0 mil
    Equity capital: $19.1 mil
    Deposits held in domestic offices: $90.7 mil
    Return on assets (ROA): 1.99% ($2.2 mil)
    Quarterly return on assets: 1.83% ($2.0 mil)
    Return on Equity (ROE): 11.97% ($2.3 mil)
    Quarterly return on equity: 10.73% ($2.0 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.99% ($2,208.2 mil)
    Quarterly Pretax return on assets: 1.83% ($2,030.7 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, 2011)

  • Dollar figures in thousands
  • 24Total employees (full-time equivalent)
  • $110,967Total assets
  • $4,873Cash and due from depository institutions
  • $600Interest-bearing balances
  • $77,933Securities
  • $5,510Federal funds sold & reverse repurchase agreements
  • $17,766Net loans & leases
  • $284Loan loss allowance
  • $0Trading account assets
  • $2,511Bank premises and fixed assets
  • $17Other real estate owned
  • $0Goodwill and other intangibles
  • $110,967Life insurance assets
  • $2,357All other assets
  • $91,818Total liabilities and capital
  • $90,730Total liabilities
  • $54,102Total deposits
  • $90,730Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,088Subordinated debt
  • $19,149All other liabilities
  • $19,149Total equity capital
  • $19,149Total bank equity capital
  • $0Perpetual preferred stock
  • $1,088Common stock
  • $2,616Surplus
  • $15,445Undivided 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
  • $512Long-term assets (5+ years)
  • $101,809Average Assets, year-to-date
  • $51,591Average Assets, quarterly
  • $110,270Volatile liabilities
  • $111,695Insider loans
  • $41,521FHLB advances
  • $111,631Loans and leases held for sale
  • $1,482Unused loan commitments
  • $1,482Tier 1 (core) risk-based capital
  • $16,347Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,319Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,958Total interest income
  • $198Total interest expense
  • $3,760Net interest income
  • $5Provision for loan and lease losses
  • $982Total noninterest income
  • $0Fiduciary activities
  • $759Service charges on deposit accounts
  • $0Trading account gains & fees
  • $223Additional noninterest income
  • $2,542Total noninterest expense
  • $1,161Salaries and employee benefits
  • $441Premises and equipment expense
  • $940Additional noninterest expense
  • $2,195Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,195Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,195Net income attributable to bank
  • $0Net charge-offs
  • $2,195Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $1,897Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.91%Yield on earning assets
  • 0.20%Cost of funding earning assets
  • 3.72%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • 1.99%Net operating income to assets
  • 1.99%Return on assets (ROA)
  • 1.99%Pretax return on assets
  • 11.97%Return on equity (ROE)
  • 1.62%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 500.00%Credit loss provision to net charge-offs
  • 2200.00%Efficiency ratio
  • 53,606Assets per employee
  • 4.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.42%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 19.58%Net loans and leases to core deposits
  • 21.20%Equity capital to assets
  • 17.26%Core capital (leverage) ratio
  • 14.64%Tier 1 risk-based capital ratio
  • 39.37%Total risk-based capital ratio
  • Memoranda
  • $40Average assets
  • $110,270Average earning assets
  • $18,342Average equity
  • $101,168Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012198First National Bank Of AlvinState Hwy. 6 And State Hwy 35 Bypass, Alvin, TX 77511August 01, 1960Full Service Brick and Mortar
    116491Manvel Branch20102 Highway 6, Manvel, TX 77578October 05, 1981Full Service Brick and Mortar

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