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

National Bank - Overview

  • General
  • FDIC Certificate #: 3214
    Status: Active
    Federal Reserve ID: 322056
    Bank Holding Company (Regulatory Top Holder): National United Bancshares, Inc. (RSSDID: 3059773, Location: Gatesville, TX)
    Date Established: August 21, 1889
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 10765
    FDIC's unique #: 2071
    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 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: 905 Main Street, Gatesville, TX 76528
    County: Coryell
    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): Killeen-Temple, TX (#3810)
    Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
    CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $477.8 mil
    Equity capital: $49.8 mil
    Deposits held in domestic offices: $426.8 mil
    Return on assets (ROA): 1.17% ($5.6 mil)
    Quarterly return on assets: 0.98% ($4.7 mil)
    Return on Equity (ROE): 11.63% ($5.8 mil)
    Quarterly return on equity: 9.45% ($4.7 mil)
    Net income: $5.5 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.60% ($7,645.4 mil)
    Quarterly Pretax return on assets: 1.26% ($6,020.7 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
  • 157Total employees (full-time equivalent)
  • $477,836Total assets
  • $50,607Cash and due from depository institutions
  • $36,613Interest-bearing balances
  • $150,206Securities
  • $11,796Federal funds sold & reverse repurchase agreements
  • $238,564Net loans & leases
  • $5,968Loan loss allowance
  • $0Trading account assets
  • $8,149Bank premises and fixed assets
  • $6,099Other real estate owned
  • $16Goodwill and other intangibles
  • $477,836Life insurance assets
  • $12,399All other assets
  • $428,050Total liabilities and capital
  • $426,765Total liabilities
  • $400,632Total deposits
  • $426,765Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $475Trading liabilities
  • $0Other borrowed funds
  • $810Subordinated debt
  • $49,786All other liabilities
  • $49,786Total equity capital
  • $49,786Total bank equity capital
  • $0Perpetual preferred stock
  • $4,728Common stock
  • $5,793Surplus
  • $39,265Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,317Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,810Income earned, not collected on loans
  • $0Earning assets
  • $2,440Long-term assets (5+ years)
  • $437,179Average Assets, year-to-date
  • $62,298Average Assets, quarterly
  • $472,510Volatile liabilities
  • $477,243Insider loans
  • $277,242FHLB advances
  • $471,975Loans and leases held for sale
  • $5,490Unused loan commitments
  • $5,490Tier 1 (core) risk-based capital
  • $48,863Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,638Restructured Loans and leases
  • $170Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,758Total interest income
  • $2,408Total interest expense
  • $18,350Net interest income
  • $497Provision for loan and lease losses
  • $6,156Total noninterest income
  • $0Fiduciary activities
  • $2,696Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,460Additional noninterest income
  • $16,459Total noninterest expense
  • $8,526Salaries and employee benefits
  • $2,499Premises and equipment expense
  • $5,434Additional noninterest expense
  • $7,550Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,030Applicable income taxes
  • $5,520Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,520Net income attributable to bank
  • $0Net charge-offs
  • $5,520Cash dividends
  • $1,144Sale, conversion, retirement of capital stock, net
  • $1,146Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 4.27%Net interest margin
  • 1.43%Noninterest income to earning assets
  • 3.83%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 11.63%Return on equity (ROE)
  • 9.22%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 43.44%Credit loss provision to net charge-offs
  • 7.03%Efficiency ratio
  • 66,996Assets per employee
  • 3.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.76%Loss allowance to loans
  • 2.44%Loss allowance to noncurrent loans
  • 329.72%Noncurrent assets plus other real estate owned to assets
  • 1.66%Noncurrent loans to loans
  • 0.74%Net loans and leases to deposits
  • 55.90%Net loans and leases to core deposits
  • 57.98%Equity capital to assets
  • 10.42%Core capital (leverage) ratio
  • 10.35%Tier 1 risk-based capital ratio
  • 17.62%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $472,510Average earning assets
  • $47,451Average equity
  • $429,528Average loans

List of branches

  • 8 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02071National Bank905 Main Street, Gatesville, TX 76528August 21, 1889Full Service Brick and Mortar
    112032Cove Branch408 South Main Street, Copperas Cove, TX 76522November 21, 1959Full Service Brick and Mortar
    316130Hewitt Branch701 North Hewitt Drive, Hewitt, TX 76643January 28, 1980Full Service Brick and Mortar
    5196177Killeen Branch4103 East Central Texas Expressway, Killeen, TX 76543July 19, 1993Full Service Brick and Mortar
    741933Lampasas Branch907 South Key Avenue, Lampasas, TX 76550August 01, 1934Full Service Brick and Mortar
    8463519Kempner Branch12444 East Highway 190, Kempner, TX 76539April 09, 2007Full Service Retail
    9473119Waco Branch5500 Bagby Avenue, Waco, TX 76711December 24, 2007Full Service Brick and Mortar
    10528446Clear Creek (Killeen) Branch2408 South Clear Creek Road, Suite 109, Killeen, TX 76549September 19, 2011Full Service Brick and Mortar

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