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

  • Junction National Bank in Junction, Texas (TX)
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Junction National Bank - Overview

  • General
  • FDIC Certificate #: 15078
    Status: Active
    Federal Reserve ID: 741152
    Date Established: April 01, 1935
    WWW: http://www.junctionnational.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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 9456
    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: April 01, 1935
    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: 701 Main Street, Junction, TX 76849
    County: Kimble
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $49.2 mil
    Equity capital: $6.4 mil
    Deposits held in domestic offices: $42.2 mil
    Return on assets (ROA): 1.60% ($0.8 mil)
    Quarterly return on assets: 1.43% ($0.7 mil)
    Return on Equity (ROE): 11.99% ($0.7 mil)
    Quarterly return on equity: 10.79% ($0.6 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.60% ($786.8 mil)
    Quarterly Pretax return on assets: 1.43% ($703.2 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
  • 16Total employees (full-time equivalent)
  • $49,178Total assets
  • $9,908Cash and due from depository institutions
  • $8,286Interest-bearing balances
  • $21,245Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $17,107Net loans & leases
  • $286Loan loss allowance
  • $0Trading account assets
  • $428Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $49,178Life insurance assets
  • $490All other assets
  • $42,799Total liabilities and capital
  • $42,246Total liabilities
  • $27,206Total deposits
  • $42,246Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $553Subordinated debt
  • $6,379All other liabilities
  • $6,379Total equity capital
  • $6,379Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $400Surplus
  • $5,579Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $61Income earned, not collected on loans
  • $0Earning assets
  • $271Long-term assets (5+ years)
  • $46,638Average Assets, year-to-date
  • $19,718Average Assets, quarterly
  • $47,525Volatile liabilities
  • $49,079Insider loans
  • $25,954FHLB advances
  • $48,343Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,795Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,057Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,912Total interest income
  • $116Total interest expense
  • $1,796Net interest income
  • $41Provision for loan and lease losses
  • $472Total noninterest income
  • $0Fiduciary activities
  • $353Service charges on deposit accounts
  • $0Trading account gains & fees
  • $119Additional noninterest income
  • $1,513Total noninterest expense
  • $895Salaries and employee benefits
  • $174Premises and equipment expense
  • $444Additional noninterest expense
  • $714Pre-tax net operating income
  • $46Securities gains (losses)
  • $0Applicable income taxes
  • $760Income before extraordinary items
  • $0Extraordinary gains - net
  • $760Net income attributable to bank
  • $0Net charge-offs
  • $760Cash dividends
  • $42Sale, conversion, retirement of capital stock, net
  • $684Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.26%Cost of funding earning assets
  • 4.00%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 1.50%Net operating income to assets
  • 1.60%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 11.99%Return on equity (ROE)
  • 1.20%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 97.62%Credit loss provision to net charge-offs
  • 17.98%Efficiency ratio
  • 66,314Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.00%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 468.85%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 40.49%Net loans and leases to core deposits
  • 43.53%Equity capital to assets
  • 12.97%Core capital (leverage) ratio
  • 11.99%Tier 1 risk-based capital ratio
  • 22.33%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $47,525Average earning assets
  • $6,338Average equity
  • $44,923Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09456Junction National Bank701 Main Street, Junction, TX 76849April 01, 1935Full Service Brick and Mortar

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