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


Hamlin National Bank - Overview

  • General
  • FDIC Certificate #: 3244
    Status: Active
    Federal Reserve ID: 464750
    Bank Holding Company (Regulatory Top Holder): Hamlin Financial Corporation, The (RSSDID: 1103225, Location: Hamlin, TX)
    Date Established: January 01, 1907
    WWW: http://www.hamlinnationalbank.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)
    FDIC's unique #: 2093
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 231 South Central Avenue, Hamlin, TX 79520
    County: Jones
    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
    Core Based Statistical Area (CBSA): Abilene, TX (#10180)
    CBSA Metro Statistical Area: Abilene, TX (#10180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $96.4 mil
    Equity capital: $15.1 mil
    Deposits held in domestic offices: $80.2 mil
    Return on assets (ROA): 1.05% ($1.0 mil)
    Quarterly return on assets: -0.17% (-$0.2 mil)
    Return on Equity (ROE): 6.53% ($1.0 mil)
    Quarterly return on equity: -1.05% (-$0.2 mil)
    Net income: $1.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 1.05% ($1,012.7 mil)
    Quarterly Pretax return on assets: -0.17% (-$164.0 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
  • 33Total employees (full-time equivalent)
  • $96,444Total assets
  • $6,143Cash and due from depository institutions
  • $2,462Interest-bearing balances
  • $33,416Securities
  • $9,175Federal funds sold & reverse repurchase agreements
  • $38,809Net loans & leases
  • $1,953Loan loss allowance
  • $0Trading account assets
  • $810Bank premises and fixed assets
  • $4,368Other real estate owned
  • $0Goodwill and other intangibles
  • $96,444Life insurance assets
  • $3,723All other assets
  • $81,312Total liabilities and capital
  • $80,178Total liabilities
  • $55,523Total deposits
  • $80,178Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $135Trading liabilities
  • $0Other borrowed funds
  • $999Subordinated debt
  • $15,132All other liabilities
  • $15,132Total equity capital
  • $15,132Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $13,132Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,972Income earned, not collected on loans
  • $0Earning assets
  • $868Long-term assets (5+ years)
  • $83,862Average Assets, year-to-date
  • $40,157Average Assets, quarterly
  • $91,608Volatile liabilities
  • $96,648Insider loans
  • $56,291FHLB advances
  • $95,919Loans and leases held for sale
  • $2,080Unused loan commitments
  • $2,080Tier 1 (core) risk-based capital
  • $14,183Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,408Restructured Loans and leases
  • $1,329Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,909Total interest income
  • $466Total interest expense
  • $3,443Net interest income
  • $0Provision for loan and lease losses
  • $710Total noninterest income
  • $0Fiduciary activities
  • $435Service charges on deposit accounts
  • $0Trading account gains & fees
  • $275Additional noninterest income
  • $3,255Total noninterest expense
  • $1,707Salaries and employee benefits
  • $357Premises and equipment expense
  • $1,191Additional noninterest expense
  • $898Pre-tax net operating income
  • $62Securities gains (losses)
  • $0Applicable income taxes
  • $960Income before extraordinary items
  • $0Extraordinary gains - net
  • $960Net income attributable to bank
  • $0Net charge-offs
  • $960Cash dividends
  • $389Sale, conversion, retirement of capital stock, net
  • $630Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 4.29%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 4.05%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 6.53%Return on equity (ROE)
  • 2.24%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 2.31%Efficiency ratio
  • 78,377Assets per employee
  • 2.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.63%Loss allowance to loans
  • 4.79%Loss allowance to noncurrent loans
  • 65.71%Noncurrent assets plus other real estate owned to assets
  • 7.61%Noncurrent loans to loans
  • 7.29%Net loans and leases to deposits
  • 48.40%Net loans and leases to core deposits
  • 51.49%Equity capital to assets
  • 15.69%Core capital (leverage) ratio
  • 14.79%Tier 1 risk-based capital ratio
  • 25.20%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $91,608Average earning assets
  • $14,702Average equity
  • $80,289Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02093Hamlin National Bank231 South Central Avenue, Hamlin, TX 79520January 01, 1907Full Service Brick and Mortar
    37393Rule BranchFifth And Union, Rule, TX 79547January 01, 1917Full Service Brick and Mortar

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