First National Bank of Huntsville in Huntsville, Texas (TX)

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First National Bank of Huntsville routing number info

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First National Bank of Huntsville
GeneralFDIC 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
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)92
Total assets$406,722
Cash and due from depository institutions$22,678
Interest-bearing balances$17,744
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$159,836
Loan loss allowance $2,554
Trading account assets$0
Bank premises and fixed assets$4,867
Other real estate owned$152
Goodwill and other intangibles$5,108
All other assets$6,199
Life insurance assets$406,722
Total liabilities and capital$363,704
Total liabilities$360,485
Total deposits$284,925
Interest-bearing deposits$360,485
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$97
Other borrowed funds $0
Subordinated debt $3,122
All other liabilities $43,018
Total equity capital$43,018
Total bank equity capital$43,018
Perpetual preferred stock$0
Common stock$1,486
Undivided profits $33,740
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $320
Earning assets $0
Long-term assets (5+ years) $2,145
Average Assets, year-to-date $385,462
Average Assets, quarterly $66,447
Volatile liabilities $399,226
Insider loans $409,506
FHLB advances $191,882
Loans and leases held for sale $392,191
Unused loan commitments $2,220
Tier 1 (core) risk-based capital $2,220
Tier 2 risk-based capital $34,402
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $21,087
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,907
Total interest expense $2,480
Net interest income $10,427
Provision for loan and lease losses $250
Total noninterest income $3,445
Fiduciary activities $492
Service charges on deposit accounts $1,886
Trading account gains & fees $0
Additional noninterest income $1,067
Total noninterest expense $9,006
Salaries and employee benefits $4,512
Premises and equipment expense $1,490
Additional noninterest expense $3,004
Pre-tax net operating income $4,616
Securities gains (losses) $0
Applicable income taxes $1,083
Income before extraordinary items $3,533
Extraordinary gains - net $0
Net income attributable to bank $3,533
Net charge-offs $0
Cash dividends $3,533
Sale, conversion, retirement of capital stock, net $105
Net operating income $766
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.42%
Cost of funding earning assets 0.66%
Net interest margin 2.76%
Noninterest income to earning assets 0.91%
Noninterest expense to earning assets 2.39%
Net operating income to assets 0.88%
Return on assets (ROA) 0.88%
Pretax return on assets 1.16%
Return on equity (ROE) 8.63%
Retained earnings to average equity (YTD only) 6.76%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 238.10%
Efficiency ratio46.34%
Assets per employee$64,922
Cash dividends to net income (YTD only)4.42%
Condition Ratios (%)
Loss allowance to loans 21.68%
Loss allowance to noncurrent loans 1.57%
Noncurrent assets plus other real estate owned to assets 798.13%
Noncurrent loans to loans 0.12%
Net loans and leases to deposits0.20%
Net loans and leases to core deposits 44.34%
Equity capital to assets 45.81%
Core capital (leverage) ratio 10.58%
Tier 1 risk-based capital ratio 8.77%
Total risk-based capital ratio 17.93%
Average assets$19
Average earning assets$399,226
Average equity $40,917
Average loans $377,143
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$134,076
Number of Accounts1
Personal trust and agency accounts$38,559
Employee benefit-defined contribution accounts$19,838
Employee benefit-defined benefit accounts$1,421
Other retirement accounts$0
Corporate trust and agency accounts$5,739
Investment management agency accounts$0
Other fiduciary accounts$11,561
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts218
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$5,739
Employee benefit-defined benefit accounts$0
Other retirement accounts$95,517
Corporate trust and agency accounts$49,416
Other fiduciary accounts$749
Fiduciary accounts held in foreign offices$17,235
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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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