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

Kilgore National Bank - Overview

  • General
  • FDIC Certificate #: 35548
    Status: Active
    Federal Reserve ID: 2958048
    Bank Holding Company (Regulatory Top Holder): Kilgore National Financial Corporation (RSSDID: 3631834, Location: Kilgore, TX)
    Date Established: November 20, 2000
    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: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 81657
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: November 20, 2000
    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: 410 North Kilgore Street, Kilgore, TX 75662
    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: $85.7 mil
    Equity capital: $7.9 mil
    Deposits held in domestic offices: $77.6 mil
    Return on assets (ROA): 0.51% ($0.4 mil)
    Quarterly return on assets: 0.51% ($0.4 mil)
    Return on Equity (ROE): 5.47% ($0.4 mil)
    Quarterly return on equity: 5.47% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.77% ($659.9 mil)
    Quarterly Pretax return on assets: 0.77% ($659.9 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
  • 29Total employees (full-time equivalent)
  • $85,700Total assets
  • $27,543Cash and due from depository institutions
  • $24,073Interest-bearing balances
  • $1,698Securities
  • $4,750Federal funds sold & reverse repurchase agreements
  • $47,647Net loans & leases
  • $930Loan loss allowance
  • $0Trading account assets
  • $2,944Bank premises and fixed assets
  • $428Other real estate owned
  • $0Goodwill and other intangibles
  • $85,700Life insurance assets
  • $690All other assets
  • $77,818Total liabilities and capital
  • $77,568Total liabilities
  • $53,522Total deposits
  • $77,568Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $250Subordinated debt
  • $7,882All other liabilities
  • $7,882Total equity capital
  • $7,882Total bank equity capital
  • $0Perpetual preferred stock
  • $2,877Common stock
  • $3,225Surplus
  • $1,780Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $115Income earned, not collected on loans
  • $0Earning assets
  • $220Long-term assets (5+ years)
  • $78,168Average Assets, year-to-date
  • $7,935Average Assets, quarterly
  • $82,754Volatile liabilities
  • $84,675Insider loans
  • $47,811FHLB advances
  • $83,291Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,879Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,262Restructured Loans and leases
  • $206Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,754Total interest income
  • $341Total interest expense
  • $3,413Net interest income
  • $188Provision for loan and lease losses
  • $591Total noninterest income
  • $0Fiduciary activities
  • $229Service charges on deposit accounts
  • $0Trading account gains & fees
  • $362Additional noninterest income
  • $3,178Total noninterest expense
  • $1,763Salaries and employee benefits
  • $338Premises and equipment expense
  • $1,077Additional noninterest expense
  • $638Pre-tax net operating income
  • $0Securities gains (losses)
  • $218Applicable income taxes
  • $420Income before extraordinary items
  • $0Extraordinary gains - net
  • $420Net income attributable to bank
  • $0Net charge-offs
  • $420Cash dividends
  • -$9Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 4.56%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 4.25%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.77%Pretax return on assets
  • 5.47%Return on equity (ROE)
  • 5.47%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -2088.89%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 79,371Assets per employee
  • 2.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 808.70%Noncurrent assets plus other real estate owned to assets
  • 0.63%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 61.43%Net loans and leases to core deposits
  • 65.71%Equity capital to assets
  • 9.20%Core capital (leverage) ratio
  • 9.46%Tier 1 risk-based capital ratio
  • 16.48%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $82,754Average earning assets
  • $7,674Average equity
  • $74,859Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    081657Kilgore National Bank410 North Kilgore Street, Kilgore, TX 75662November 20, 2000Full Service Brick and Mortar
    1445462Kilgore National Bank303 Calvert, Troup, TX 75789October 12, 2005Full Service Brick and Mortar
    2478788Liberty City Branch6031 Old Hwy 135 North, Kilgore, TX 75662October 30, 2007Full Service Brick and Mortar
    3506532Tyler Branch16637 Old Jacksonville Highway (Fm 2493), Tyler, TX 75703December 30, 2009Full Service Brick and Mortar

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