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


First National Bank of Huntsville - Overview

  • General
  • FDIC Certificate #: 3269
    Status: Active
    Federal Reserve ID: 583352
    Bank Holding Company (Regulatory Top Holder): First National Bancshares Of Huntsville, Inc. (RSSDID: 3018958, Location: Huntsville, TX)
    Date Established: January 01, 1890
    WWW: http://www.fnbhuntsvilletx.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: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 10860
    FDIC's unique #: 2111
    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: Other Specialized Lending < 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: 1300 Eleventh Street, Huntsville, TX 77340
    County: Walker
    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
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Huntsville, TX (#26660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $406.7 mil
    Equity capital: $43.0 mil
    Deposits held in domestic offices: $360.5 mil
    Return on assets (ROA): 0.88% ($3.6 mil)
    Quarterly return on assets: 0.98% ($4.0 mil)
    Return on Equity (ROE): 8.63% ($3.7 mil)
    Quarterly return on equity: 9.37% ($4.0 mil)
    Net income: $3.5 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.16% ($4,718.0 mil)
    Quarterly Pretax return on assets: 1.30% ($5,287.4 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, 2011)

  • Dollar figures in thousands
  • 92Total employees (full-time equivalent)
  • $406,722Total assets
  • $22,678Cash and due from depository institutions
  • $17,744Interest-bearing balances
  • $207,882Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $159,836Net loans & leases
  • $2,554Loan loss allowance
  • $0Trading account assets
  • $4,867Bank premises and fixed assets
  • $152Other real estate owned
  • $5,108Goodwill and other intangibles
  • $406,722Life insurance assets
  • $6,199All other assets
  • $363,704Total liabilities and capital
  • $360,485Total liabilities
  • $284,925Total deposits
  • $360,485Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $97Trading liabilities
  • $0Other borrowed funds
  • $3,122Subordinated debt
  • $43,018All other liabilities
  • $43,018Total equity capital
  • $43,018Total bank equity capital
  • $0Perpetual preferred stock
  • $1,486Common stock
  • $7,792Surplus
  • $33,740Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $320Income earned, not collected on loans
  • $0Earning assets
  • $2,145Long-term assets (5+ years)
  • $385,462Average Assets, year-to-date
  • $66,447Average Assets, quarterly
  • $399,226Volatile liabilities
  • $409,506Insider loans
  • $191,882FHLB advances
  • $392,191Loans and leases held for sale
  • $2,220Unused loan commitments
  • $2,220Tier 1 (core) risk-based capital
  • $34,402Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,087Restructured Loans and leases
  • $4,301Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,907Total interest income
  • $2,480Total interest expense
  • $10,427Net interest income
  • $250Provision for loan and lease losses
  • $3,445Total noninterest income
  • $492Fiduciary activities
  • $1,886Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,067Additional noninterest income
  • $9,006Total noninterest expense
  • $4,512Salaries and employee benefits
  • $1,490Premises and equipment expense
  • $3,004Additional noninterest expense
  • $4,616Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,083Applicable income taxes
  • $3,533Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,533Net income attributable to bank
  • $0Net charge-offs
  • $3,533Cash dividends
  • $105Sale, conversion, retirement of capital stock, net
  • $766Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.42%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 2.76%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 2.39%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 8.63%Return on equity (ROE)
  • 6.76%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 238.10%Credit loss provision to net charge-offs
  • 46.34%Efficiency ratio
  • 64,922Assets per employee
  • 4.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.68%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 798.13%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.20%Net loans and leases to deposits
  • 44.34%Net loans and leases to core deposits
  • 45.81%Equity capital to assets
  • 10.58%Core capital (leverage) ratio
  • 8.77%Tier 1 risk-based capital ratio
  • 17.93%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $399,226Average earning assets
  • $40,917Average equity
  • $377,143Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $134,076Managed Assets
  • 1Number of Accounts
  • $38,559Personal trust and agency accounts
  • $19,838Employee benefit-defined contribution accounts
  • $1,421Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $5,739Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $11,561Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 218Number of Accounts
  • $0Personal trust and agency accounts
  • $5,739Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $95,517Other retirement accounts
  • $49,416Corporate trust and agency accounts
  • $749Other fiduciary accounts
  • $17,235Fiduciary accounts held in foreign offices

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02111First National Bank Of Huntsville1300 Eleventh Street, Huntsville, TX 77340January 01, 1890Full Service Brick and Mortar
    25378617 East Houston Street Branch617 East Houston Street, Crockett, TX 75835January 01, 1907Full Service Brick and Mortar
    335284The National Bank Of Madisonville/Br333 North May Street, Madisonville, TX 77864Febuary 28, 1986Full Service Brick and Mortar
    4479718Robertson County Bank Branch1041 W Decherd, Franklin, TX 77856June 16, 2008Full Service Brick and Mortar

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