First National Bank of Giddings in city_name, state_name - Detailed Financial Reports, Location

First National Bank of Giddings in Giddings, Texas (TX)
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First National Bank of Giddings routing number info

First National Bank of Giddings - Overview

General
FDIC Certificate #: 3217
Status: Active
Federal Reserve ID: 324153
Bank Holding Company (Regulatory Top Holder): Giddings Bancshares, Inc. (RSSDID: 1110193, Location: Giddings, TX)
Date Established: January 01, 1890
WWW: http://www.fnbgiddings.com
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 #: 2073
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
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: 108 East Austin, Giddings, TX 78942
County: Lee
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Austin
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $161.0 mil
Equity capital: $15.1 mil
Deposits held in domestic offices: $134.2 mil
Return on assets (ROA): 0.95% ($1.5 mil)
Quarterly return on assets: 1.00% ($1.6 mil)
Return on Equity (ROE): 10.05% ($1.5 mil)
Quarterly return on equity: 10.33% ($1.5 mil)
Net income: $1.5 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.30% ($2,092.4 mil)
Quarterly Pretax return on assets: 1.39% ($2,237.3 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
35Total employees (full-time equivalent)
$160,957Total assets
$8,795Cash and due from depository institutions
$6,588Interest-bearing balances
$74,255Securities
$500Federal funds sold & reverse repurchase agreements
$73,224Net loans & leases
$1,347Loan loss allowance
$0Trading account assets
$1,986Bank premises and fixed assets
$92Other real estate owned
$0Goodwill and other intangibles
$160,957Life insurance assets
$2,105All other assets
$145,849Total liabilities and capital
$134,215Total liabilities
$107,006Total deposits
$134,215Interest-bearing deposits
$80Deposits held in domestic offices
5000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,000Trading liabilities
$0Other borrowed funds
$634Subordinated debt
$15,108All other liabilities
$15,108Total equity capital
$15,108Total bank equity capital
$0Perpetual preferred stock
$560Common stock
$2,941Surplus
$11,607Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$421Income earned, not collected on loans
$0Earning assets
$815Long-term assets (5+ years)
$154,567Average Assets, year-to-date
$81,802Average Assets, quarterly
$154,866Volatile liabilities
$157,903Insider loans
$79,027FHLB advances
$152,709Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,856Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,210Restructured Loans and leases
$1,908Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,546Total interest income
$1,473Total interest expense
$5,073Net interest income
$0Provision for loan and lease losses
$531Total noninterest income
$0Fiduciary activities
$387Service charges on deposit accounts
$0Trading account gains & fees
$144Additional noninterest income
$3,745Total noninterest expense
$1,783Salaries and employee benefits
$585Premises and equipment expense
$1,377Additional noninterest expense
$1,859Pre-tax net operating income
$158Securities gains (losses)
$542Applicable income taxes
$1,475Income before extraordinary items
$0Extraordinary gains - net
$1,475Net income attributable to bank
$0Net charge-offs
$1,475Cash dividends
$48Sale, conversion, retirement of capital stock, net
$850Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.41%Yield on earning assets
0.99%Cost of funding earning assets
3.41%Net interest margin
0.36%Noninterest income to earning assets
2.52%Noninterest expense to earning assets
0.88%Net operating income to assets
0.95%Return on assets (ROA)
1.30%Pretax return on assets
10.05%Return on equity (ROE)
4.26%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
38.73%Efficiency ratio
66,827Assets per employee
4.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.63%Loss allowance to loans
1.81%Loss allowance to noncurrent loans
319.95%Noncurrent assets plus other real estate owned to assets
0.32%Noncurrent loans to loans
0.56%Net loans and leases to deposits
54.56%Net loans and leases to core deposits
55.85%Equity capital to assets
9.39%Core capital (leverage) ratio
9.07%Tier 1 risk-based capital ratio
17.53%Total risk-based capital ratio
Memoranda
$19Average assets
$154,866Average earning assets
$14,674Average equity
$148,586Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	2073	First National Bank Of Giddings	108 East Austin, Giddings, TX 78942	January 01, 1890	Full Service Brick and Mortar
1	447928	First National Bank Of Giddings Bran	220 North Main, Giddings, TX 78942	January 17, 2006	Full Service Brick and Mortar

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

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

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