Gladewater National Bank in Gladewater, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Gladewater National Bank in Gladewater, Texas (TX)
  • Show street view No street view available for this location
Gladewater National Bank routing number info

Gladewater National Bank - Overview

  • General
  • FDIC Certificate #: 23835
    Status: Active
    Federal Reserve ID: 263551
    Bank Holding Company (Regulatory Top Holder): East Texas Financial Corporation (RSSDID: 1427556, Location: Kilgore, TX)
    Date Established: May 07, 1982
    WWW: http://www.gladewaternational.com
    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)
    OTS Docket #: 12923
    FDIC's unique #: 16659
    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: Commercial Lending Specialization
    Date of Deposit Insurance: May 07, 1982
    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: 678 North Main, Gladewater, TX 75647
    County: Gregg
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Longview-Marshall, TX (#4420)
    Combined Statistical Area (CSA): Longview-Marshall, TX (#346)
    Core Based Statistical Area (CBSA): Longview, TX (#30980)
    CBSA Metro Statistical Area: Longview, TX (#30980)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $34.9 mil
    Equity capital: $3.7 mil
    Deposits held in domestic offices: $30.9 mil
    Return on assets (ROA): 0.48% ($0.2 mil)
    Quarterly return on assets: 0.56% ($0.2 mil)
    Return on Equity (ROE): 4.22% ($0.2 mil)
    Quarterly return on equity: 5.04% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.69% ($240.5 mil)
    Quarterly Pretax return on assets: 0.77% ($268.3 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
  • 12Total employees (full-time equivalent)
  • $34,850Total assets
  • $3,961Cash and due from depository institutions
  • $2,476Interest-bearing balances
  • $6,460Securities
  • $2,775Federal funds sold & reverse repurchase agreements
  • $20,232Net loans & leases
  • $546Loan loss allowance
  • $0Trading account assets
  • $468Bank premises and fixed assets
  • $212Other real estate owned
  • $0Goodwill and other intangibles
  • $34,850Life insurance assets
  • $742All other assets
  • $31,107Total liabilities and capital
  • $30,939Total liabilities
  • $25,528Total deposits
  • $30,939Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $168Subordinated debt
  • $3,743All other liabilities
  • $3,743Total equity capital
  • $3,743Total bank equity capital
  • $0Perpetual preferred stock
  • $843Common stock
  • $1,782Surplus
  • $1,118Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $475Income earned, not collected on loans
  • $0Earning assets
  • $164Long-term assets (5+ years)
  • $31,943Average Assets, year-to-date
  • $10,818Average Assets, quarterly
  • $32,153Volatile liabilities
  • $33,448Insider loans
  • $20,950FHLB advances
  • $32,736Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,698Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,582Restructured Loans and leases
  • $2,383Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,450Total interest income
  • $205Total interest expense
  • $1,245Net interest income
  • $30Provision for loan and lease losses
  • $232Total noninterest income
  • $0Fiduciary activities
  • $172Service charges on deposit accounts
  • $0Trading account gains & fees
  • $60Additional noninterest income
  • $1,226Total noninterest expense
  • $478Salaries and employee benefits
  • $137Premises and equipment expense
  • $611Additional noninterest expense
  • $221Pre-tax net operating income
  • $0Securities gains (losses)
  • $67Applicable income taxes
  • $154Income before extraordinary items
  • $0Extraordinary gains - net
  • $154Net income attributable to bank
  • $0Net charge-offs
  • $154Cash dividends
  • -$34Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 4.23%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 4.17%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 4.22%Return on equity (ROE)
  • 4.22%Retained earnings to average equity (YTD only)
  • -0.17%Net charge-offs to loans
  • -88.24%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 83,006Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.63%Loss allowance to noncurrent loans
  • 114.95%Noncurrent assets plus other real estate owned to assets
  • 1.97%Noncurrent loans to loans
  • 2.29%Net loans and leases to deposits
  • 65.39%Net loans and leases to core deposits
  • 75.03%Equity capital to assets
  • 10.74%Core capital (leverage) ratio
  • 11.30%Tier 1 risk-based capital ratio
  • 17.65%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $32,153Average earning assets
  • $3,651Average equity
  • $29,406Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    016659Gladewater National Bank678 North Main, Gladewater, TX 75647May 07, 1982Full Service Brick and Mortar
    2359596Gladewater Branch1409 East Broadway Avenue, Gladewater, TX 75647December 20, 1999Limited Service Facility

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Gladewater National Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents