First National Bank of Bosque County in city_name, state_name

First National Bank of Bosque County in Valley Mills, Texas (TX)
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First National Bank of Bosque County routing number info

First National Bank of Bosque County - Overview

General
FDIC Certificate #: 5564
Status: Active
Federal Reserve ID: 198961
Bank Holding Company (Regulatory Top Holder): Valley Mills Financial Corporation (RSSDID: 1104110, Location: Valley Mills, TX)
Date Established: August 01, 1908
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)
OTS Docket #: 10253
FDIC's unique #: 3785
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 05, 2008
Last Structure Change Process Date: December 09, 2008
Last Data Update: December 09, 2008
Data Source Date: April 05, 2012
Location
Address: 418 Avenue C, Valley Mills, TX 76689
County: Bosque
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: $100.6 mil
Equity capital: $9.6 mil
Deposits held in domestic offices: $90.0 mil
Return on assets (ROA): 0.29% ($0.3 mil)
Quarterly return on assets: -0.47% (-$0.5 mil)
Return on Equity (ROE): 3.05% ($0.3 mil)
Quarterly return on equity: -4.89% (-$0.5 mil)
Net income: $0.3 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: 0.29% ($291.6 mil)
Quarterly Pretax return on assets: -0.47% (-$472.6 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
36Total employees (full-time equivalent)
$100,558Total assets
$33,071Cash and due from depository institutions
$29,364Interest-bearing balances
$3,077Securities
$5,154Federal funds sold & reverse repurchase agreements
$53,180Net loans & leases
$800Loan loss allowance
$0Trading account assets
$1,150Bank premises and fixed assets
$124Other real estate owned
$0Goodwill and other intangibles
$100,558Life insurance assets
$4,802All other assets
$90,961Total liabilities and capital
$90,048Total liabilities
$70,257Total deposits
$90,048Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$727Trading liabilities
$0Other borrowed funds
$186Subordinated debt
$9,597All other liabilities
$9,597Total equity capital
$9,597Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$200Surplus
$9,197Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$487Income earned, not collected on loans
$0Earning assets
$325Long-term assets (5+ years)
$90,775Average Assets, year-to-date
$8,861Average Assets, quarterly
$99,470Volatile liabilities
$101,438Insider loans
$54,069FHLB advances
$101,878Loans and leases held for sale
$1,865Unused loan commitments
$1,865Tier 1 (core) risk-based capital
$9,549Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,153Restructured Loans and leases
$151Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,611Total interest income
$661Total interest expense
$2,950Net interest income
$111Provision for loan and lease losses
$687Total noninterest income
$0Fiduciary activities
$506Service charges on deposit accounts
$0Trading account gains & fees
$181Additional noninterest income
$3,233Total noninterest expense
$1,609Salaries and employee benefits
$337Premises and equipment expense
$1,287Additional noninterest expense
$293Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$293Income before extraordinary items
$0Extraordinary gains - net
$293Net income attributable to bank
$0Net charge-offs
$293Cash dividends
$61Sale, conversion, retirement of capital stock, net
$170Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.02%Yield on earning assets
0.74%Cost of funding earning assets
3.29%Net interest margin
0.77%Noninterest income to earning assets
3.60%Noninterest expense to earning assets
0.29%Net operating income to assets
0.29%Return on assets (ROA)
0.29%Pretax return on assets
3.05%Return on equity (ROE)
1.28%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
181.97%Credit loss provision to net charge-offs
6.62%Efficiency ratio
88,892Assets per employee
2.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
58.02%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
164.27%Noncurrent assets plus other real estate owned to assets
0.61%Noncurrent loans to loans
0.90%Net loans and leases to deposits
59.06%Net loans and leases to core deposits
61.41%Equity capital to assets
9.54%Core capital (leverage) ratio
9.37%Tier 1 risk-based capital ratio
17.66%Total risk-based capital ratio
Memoranda
$19Average assets
$99,470Average earning assets
$9,618Average equity
$89,719Average loans

List of branches

4 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3785	First National Bank Of Bosque County	418 Avenue C, Valley Mills, TX 76689	August 01, 1908	Full Service Brick and Mortar
1	17503	Clifton Branch	Highway 6 And Riverside Drive, Clifton, TX 76634	June 14, 1984	Full Service Brick and Mortar
2	207827	Ranch House Branch	8213 North Highway 6, Waco, TX 76712	May 01, 1995	Full Service Brick and Mortar
3	447342	Meridian Branch	115 South Main Street, Meridian, TX 76665	December 01, 2005	Full Service Brick and Mortar

First National Bank of Bosque County in Valley Mills, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Bosque County - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank of Bosque County in Valley Mills, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Bosque County - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank of Bosque County in Valley Mills, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches