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

Llano National Bank - Overview

  • General
  • FDIC Certificate #: 24305
    Status: Active
    Federal Reserve ID: 946555
    Date Established: January 17, 1983
    WWW: http://www.llanonationalbank.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: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 16907
    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: January 17, 1983
    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: 1001 Ford Street, Llano, TX 78643
    County: Llano
    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: $129.0 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $114.4 mil
    Return on assets (ROA): 0.92% ($1.2 mil)
    Quarterly return on assets: 1.24% ($1.6 mil)
    Return on Equity (ROE): 8.87% ($1.2 mil)
    Quarterly return on equity: 11.94% ($1.6 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.21% ($1,561.1 mil)
    Quarterly Pretax return on assets: 1.56% ($2,012.7 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
  • 38Total employees (full-time equivalent)
  • $129,020Total assets
  • $6,544Cash and due from depository institutions
  • $4,059Interest-bearing balances
  • $44,717Securities
  • $2,400Federal funds sold & reverse repurchase agreements
  • $72,291Net loans & leases
  • $1,795Loan loss allowance
  • $0Trading account assets
  • $1,558Bank premises and fixed assets
  • $93Other real estate owned
  • $0Goodwill and other intangibles
  • $129,020Life insurance assets
  • $1,417All other assets
  • $115,563Total liabilities and capital
  • $114,421Total liabilities
  • $86,763Total deposits
  • $114,421Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,142Subordinated debt
  • $13,457All other liabilities
  • $13,457Total equity capital
  • $13,457Total bank equity capital
  • $0Perpetual preferred stock
  • $1,150Common stock
  • $1,150Surplus
  • $11,157Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,866Income earned, not collected on loans
  • $0Earning assets
  • $828Long-term assets (5+ years)
  • $123,467Average Assets, year-to-date
  • $60,733Average Assets, quarterly
  • $122,924Volatile liabilities
  • $128,819Insider loans
  • $85,811FHLB advances
  • $132,575Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,788Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,775Restructured Loans and leases
  • $518Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,473Total interest income
  • $561Total interest expense
  • $4,912Net interest income
  • $480Provision for loan and lease losses
  • $578Total noninterest income
  • $0Fiduciary activities
  • $286Service charges on deposit accounts
  • $0Trading account gains & fees
  • $292Additional noninterest income
  • $3,532Total noninterest expense
  • $1,921Salaries and employee benefits
  • $460Premises and equipment expense
  • $1,151Additional noninterest expense
  • $1,478Pre-tax net operating income
  • $11Securities gains (losses)
  • $364Applicable income taxes
  • $1,125Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,125Net income attributable to bank
  • $0Net charge-offs
  • $1,125Cash dividends
  • $297Sale, conversion, retirement of capital stock, net
  • $216Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 0.48%Cost of funding earning assets
  • 4.18%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 8.87%Return on equity (ROE)
  • 7.16%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 161.62%Credit loss provision to net charge-offs
  • 6.59%Efficiency ratio
  • 64,335Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.20%Loss allowance to loans
  • 2.42%Loss allowance to noncurrent loans
  • 62.63%Noncurrent assets plus other real estate owned to assets
  • 2.29%Noncurrent loans to loans
  • 3.87%Net loans and leases to deposits
  • 63.18%Net loans and leases to core deposits
  • 69.36%Equity capital to assets
  • 10.43%Core capital (leverage) ratio
  • 9.65%Tier 1 risk-based capital ratio
  • 14.90%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $122,924Average earning assets
  • $12,689Average equity
  • $117,480Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016907Llano National Bank1001 Ford Street, Llano, TX 78643January 17, 1983Full Service Brick and Mortar
    1257130Buchanan Dam BranchHighway 29 West And Ranch Road 1431, Buchanan Dam, TX 78643October 02, 1997Full Service Brick and Mortar
    2257131North Branch104 West Young, Llano, TX 78643March 30, 1998Limited Service Facility
    3428691Burnet Branch1210 S Water, Burnet, TX 78611May 10, 2004Full Service Brick and Mortar

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