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

This bank is inactive as of December 31, 2006

  • First National Bank of Goliad in Goliad, Texas (TX)
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First National Bank of Goliad - Overview

  • General
  • FDIC Certificate #: 3222
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: American Bank, National Association (#20241)
    Federal Reserve ID: 326250
    Date Established: May 05, 1891
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 2077
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 31, 2006
    Last Structure Change Process Date: Febuary 06, 2007
    Last Data Update: Febuary 06, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 222 South Market, Goliad, TX 77963
    County: Goliad
    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
    Core Based Statistical Area (CBSA): Victoria, TX (#47020)
    CBSA Metro Statistical Area: Victoria, TX (#47020)
  • Financial Summary
  • Total assets: $43.4 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, 2005)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $44,584Total assets
  • $2,477Cash and due from depository institutions
  • $0Interest-bearing balances
  • $12,980Securities
  • $4,008Federal funds sold & reverse repurchase agreements
  • $23,579Net loans & leases
  • $391Loan loss allowance
  • $0Trading account assets
  • $914Bank premises and fixed assets
  • $98Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $528All other assets
  • $44,584Total liabilities and capital
  • $41,672Total liabilities
  • $41,460Total deposits
  • $31,175Interest-bearing deposits
  • $41,460Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $212All other liabilities
  • $2,912Total equity capital
  • $2,912Total bank equity capital
  • $2,912Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $2,050Undivided profits
  • Memoranda
  • $-138Noncurrent loans and leases
  • $4,814Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,131Earning assets
  • $0Long-term assets (5+ years)
  • $269Average Assets, year-to-date
  • $40,567Average Assets, quarterly
  • $1,863Volatile liabilities
  • $43,075Insider loans
  • $44,243FHLB advances
  • $4,694Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,814Total unused commitments
  • $0Restructured Loans and leases
  • $328Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $2,352Total interest income
  • $493Total interest expense
  • $1,859Net interest income
  • $75Provision for loan and lease losses
  • $345Total noninterest income
  • $0Fiduciary activities
  • $244Service charges on deposit accounts
  • $0Trading account gains & fees
  • $101Additional noninterest income
  • $1,887Total noninterest expense
  • $1,047Salaries and employee benefits
  • $306Premises and equipment expense
  • $534Additional noninterest expense
  • $242Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $242Income before extraordinary items
  • $0Extraordinary gains - net
  • $242Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $337Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.99%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 4.74%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 4.81%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.56%Pretax return on assets
  • 8.51%Return on equity (ROE)
  • 8.51%Retained earnings to average equity (YTD only)
  • 1.30%Net charge-offs to loans
  • 22.26%Credit loss provision to net charge-offs
  • 0.94%Efficiency ratio
  • 85,617Assets per employee
  • 2.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 34.57%Noncurrent assets plus other real estate owned to assets
  • 2.76%Noncurrent loans to loans
  • 4.72%Net loans and leases to deposits
  • 56.87%Net loans and leases to core deposits
  • 64.13%Equity capital to assets
  • 6.53%Core capital (leverage) ratio
  • 6.86%Tier 1 risk-based capital ratio
  • 11.52%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $43,075Average earning assets
  • $2,844Average equity
  • $39,258Average loans

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