Llano National Bank in city_name, state_name - Detailed Financial Reports, Location

Llano National Bank in Llano, Texas (TX)
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Llano National Bank routing number info

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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

No	ID	Name	Address	Established	Service Type
0	16907	Llano National Bank	1001 Ford Street, Llano, TX 78643	January 17, 1983	Full Service Brick and Mortar
1	257130	Buchanan Dam Branch	Highway 29 West And Ranch Road 1431, Buchanan Dam, TX 78643	October 02, 1997	Full Service Brick and Mortar
2	257131	North Branch	104 West Young, Llano, TX 78643	March 30, 1998	Limited Service Facility
3	428691	Burnet Branch	1210 S Water, Burnet, TX 78611	May 10, 2004	Full Service Brick and Mortar

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

Llano National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

Llano National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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