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

This bank is inactive as of Febuary 20, 1998

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

  • General
  • FDIC Certificate #: 19221
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Bank and Trust (#21477)
    Federal Reserve ID: 252760
    Date Established: September 08, 1964
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 13039
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: September 08, 1964
    Last Structure Change Effective Date: Febuary 20, 1998
    Last Structure Change Process Date: April 22, 1998
    Last Data Update: April 22, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 Highway 96 South, Silsbee, TX 77656
    County: Hardin
    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
    Metropolitan Statistical Area (MSA): Beaumont-Port Arthur, TX (#840)
    Core Based Statistical Area (CBSA): Beaumont-Port Arthur, TX (#13140)
    CBSA Metro Statistical Area: Beaumont-Port Arthur, TX (#13140)
  • Financial Summary
  • Total assets: $52.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 17Total employees (full-time equivalent)
  • $52,076Total assets
  • $6,684Cash and due from depository institutions
  • $3,200Interest-bearing balances
  • $11,787Securities
  • $14,240Federal funds sold & reverse repurchase agreements
  • $17,860Net loans & leases
  • $200Loan loss allowance
  • $0Trading account assets
  • $1,162Bank premises and fixed assets
  • $97Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $246All other assets
  • $52,076Total liabilities and capital
  • $47,613Total liabilities
  • $47,220Total deposits
  • $41,443Interest-bearing deposits
  • $47,220Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $393All other liabilities
  • $4,463Total equity capital
  • $4,463Total bank equity capital
  • $4,463Perpetual preferred stock
  • $0Common stock
  • $1,153Surplus
  • $1,153Undivided profits
  • Memoranda
  • $2,157Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $107Earning assets
  • $0Long-term assets (5+ years)
  • $87Average Assets, year-to-date
  • $47,087Average Assets, quarterly
  • $2,054Volatile liabilities
  • $48,842Insider loans
  • $51,530FHLB advances
  • $5,192Loans and leases held for sale
  • $44Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,921Total unused commitments
  • $0Restructured Loans and leases
  • $23,999Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $3,332Total interest income
  • $1,683Total interest expense
  • $1,649Net interest income
  • $17Provision for loan and lease losses
  • $335Total noninterest income
  • $0Fiduciary activities
  • $255Service charges on deposit accounts
  • $0Trading account gains & fees
  • $80Additional noninterest income
  • $1,334Total noninterest expense
  • $633Salaries and employee benefits
  • $221Premises and equipment expense
  • $480Additional noninterest expense
  • $633Pre-tax net operating income
  • $0Securities gains (losses)
  • $217Applicable income taxes
  • $416Income before extraordinary items
  • $0Extraordinary gains - net
  • $416Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $28Sale, conversion, retirement of capital stock, net
  • $58Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.53%Yield on earning assets
  • 3.80%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 9.84%Return on equity (ROE)
  • 8.47%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 60.71%Credit loss provision to net charge-offs
  • 23.21%Efficiency ratio
  • 67,238Assets per employee
  • 3.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.94%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 186.92%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 37.82%Net loans and leases to core deposits
  • 42.50%Equity capital to assets
  • 8.57%Core capital (leverage) ratio
  • 8.51%Tier 1 risk-based capital ratio
  • 18.51%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $48,842Average earning assets
  • $4,229Average equity
  • $44,234Average loans

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