FDIC Certificate #: 17913 Status: Active Federal Reserve ID: 397456 Bank Holding Company (Regulatory Top Holder): Fnb Holding Company (RSSDID: 3668223, Location: Fort Stockton, TX) Date Established: October 01, 1958 WWW:http://www.fnbfst.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 11851 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: Mortgage Lending Specialization Date of Deposit Insurance: October 01, 1958 Last Structure Change Effective Date: April 23, 2009 Last Structure Change Process Date: April 23, 2009 Last Data Update: April 23, 2009 Data Source Date: April 05, 2012
Location
Address: 1000 West Dickinson Boulevard, Fort Stockton, TX 79735 County: Pecos 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
Financial Summary
Total assets: $58.5 mil Equity capital: $8.0 mil Deposits held in domestic offices: $50.3 mil Return on assets (ROA): 1.47% ($0.9 mil) Quarterly return on assets: 0.58% ($0.3 mil) Return on Equity (ROE): 12.35% ($1.0 mil) Quarterly return on equity: 4.16% ($0.3 mil) Net income: $1.0 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.47% ($859.7 mil) Quarterly Pretax return on assets: 0.58% ($339.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$58,483Total assets
$3,465Cash and due from depository institutions
$0Interest-bearing balances
$38,615Securities
$50Federal funds sold & reverse repurchase agreements
$15,044Net loans & leases
$304Loan loss allowance
$0Trading account assets
$574Bank premises and fixed assets
$20Other real estate owned
$0Goodwill and other intangibles
$58,483Life insurance assets
$715All other assets
$50,457Total liabilities and capital
$50,277Total liabilities
$34,363Total deposits
$50,277Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$58Trading liabilities
$0Other borrowed funds
$122Subordinated debt
$8,026All other liabilities
$8,026Total equity capital
$8,026Total bank equity capital
$0Perpetual preferred stock
$720Common stock
$720Surplus
$6,586Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$40Income earned, not collected on loans
$0Earning assets
$302Long-term assets (5+ years)
$53,709Average Assets, year-to-date
$36,283Average Assets, quarterly
$65,186Volatile liabilities
$58,397Insider loans
$22,642FHLB advances
$57,674Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,929Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,753Restructured Loans and leases
$543Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,403Total interest income
$364Total interest expense
$2,039Net interest income
$30Provision for loan and lease losses
$352Total noninterest income
$0Fiduciary activities
$231Service charges on deposit accounts
$0Trading account gains & fees
$121Additional noninterest income
$1,823Total noninterest expense
$829Salaries and employee benefits
$200Premises and equipment expense
$794Additional noninterest expense
$538Pre-tax net operating income
$420Securities gains (losses)
$0Applicable income taxes
$958Income before extraordinary items
$0Extraordinary gains - net
$958Net income attributable to bank
$0Net charge-offs
$958Cash dividends
$29Sale, conversion, retirement of capital stock, net
$270Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.04%Yield on earning assets
0.61%Cost of funding earning assets
3.43%Net interest margin
0.59%Noninterest income to earning assets
3.06%Noninterest expense to earning assets
0.83%Net operating income to assets
1.47%Return on assets (ROA)
1.47%Pretax return on assets
12.35%Return on equity (ROE)
8.87%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
103.45%Credit loss provision to net charge-offs
19.59%Efficiency ratio
76,244Assets per employee
2.92%Cash dividends to net income (YTD only)
Condition Ratios (%)
28.18%Loss allowance to loans
1.98%Loss allowance to noncurrent loans
760.00%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.26%Net loans and leases to deposits
29.92%Net loans and leases to core deposits
30.72%Equity capital to assets
13.72%Core capital (leverage) ratio
12.01%Tier 1 risk-based capital ratio
30.60%Total risk-based capital ratio
Memoranda
$32Average assets
$65,186Average earning assets
$7,759Average equity
$59,485Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11851
First National Bank Of Fort Stockton
1000 West Dickinson Boulevard, Fort Stockton, TX 79735
October 01, 1958
Full Service Brick and Mortar
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