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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    02073First National Bank Of Giddings108 East Austin, Giddings, TX 78942January 01, 1890Full Service Brick and Mortar
    1447928First National Bank Of Giddings Bran220 North Main, Giddings, TX 78942January 17, 2006Full Service Brick and Mortar

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