FDIC Certificate #: 3289 Status: Active Federal Reserve ID: 792659 Bank Holding Company (Regulatory Top Holder): National Bank & Trust Employee Stock Ownership Plan With 401(K) Provisions (RSSDID: 3685109, Location: La Grange, TX) Date Established: July 05, 1888 WWW:http://www.nbt-texas.com 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: 1 (Domestic: 1, Interstate: No) OTS Docket #: 12036 FDIC's unique #: 2128 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: Yes Asset Concentration Hierarchy: Mortgage 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: 141 West Colorado Street, La Grange, TX 78945 County: Fayette 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: $203.0 mil Equity capital: $20.0 mil Deposits held in domestic offices: $182.1 mil Return on assets (ROA): 1.50% ($3.0 mil) Quarterly return on assets: 1.46% ($3.0 mil) Return on Equity (ROE): 16.31% ($3.3 mil) Quarterly return on equity: 14.62% ($2.9 mil) Net income: $3.0 mil Quarterly Net income: $0.7 mil Pretax return on assets: 1.50% ($3,044.6 mil) Quarterly Pretax return on assets: 1.46% ($2,963.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
30Total employees (full-time equivalent)
$202,970Total assets
$7,264Cash and due from depository institutions
$1,513Interest-bearing balances
$147,121Securities
$0Federal funds sold & reverse repurchase agreements
$42,891Net loans & leases
$644Loan loss allowance
$0Trading account assets
$3,996Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$202,970Life insurance assets
$1,698All other assets
$182,991Total liabilities and capital
$182,145Total liabilities
$154,997Total deposits
$182,145Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$846Subordinated debt
$19,979All other liabilities
$19,979Total equity capital
$19,979Total bank equity capital
$0Perpetual preferred stock
$705Common stock
$1,471Surplus
$17,803Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$202Income earned, not collected on loans
$0Earning assets
$666Long-term assets (5+ years)
$191,525Average Assets, year-to-date
$150,396Average Assets, quarterly
$196,885Volatile liabilities
$203,551Insider loans
$67,292FHLB advances
$203,565Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$15,934Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,418Restructured Loans and leases
$921Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,083Total interest income
$1,761Total interest expense
$5,322Net interest income
$0Provision for loan and lease losses
$685Total noninterest income
$0Fiduciary activities
$326Service charges on deposit accounts
$0Trading account gains & fees
$359Additional noninterest income
$3,207Total noninterest expense
$1,785Salaries and employee benefits
$344Premises and equipment expense
$1,078Additional noninterest expense
$2,800Pre-tax net operating income
$156Securities gains (losses)
$0Applicable income taxes
$2,956Income before extraordinary items
$0Extraordinary gains - net
$2,956Net income attributable to bank
$0Net charge-offs
$2,956Cash dividends
$13Sale, conversion, retirement of capital stock, net
$1,040Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.79%Yield on earning assets
0.94%Cost of funding earning assets
2.85%Net interest margin
0.37%Noninterest income to earning assets
1.72%Noninterest expense to earning assets
1.42%Net operating income to assets
1.50%Return on assets (ROA)
1.50%Pretax return on assets
16.31%Return on equity (ROE)
10.57%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
215.38%Efficiency ratio
53,388Assets per employee
6.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
35.18%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
318.81%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.46%Net loans and leases to deposits
23.55%Net loans and leases to core deposits
26.66%Equity capital to assets
9.84%Core capital (leverage) ratio
7.83%Tier 1 risk-based capital ratio
23.68%Total risk-based capital ratio
Memoranda
$25Average assets
$196,885Average earning assets
$18,128Average equity
$186,771Average loans
Total Fiduciary and Related Assets (December 31, 2009)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$1,529Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,529Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2128
National Bank & Trust
141 West Colorado Street, La Grange, TX 78945
July 05, 1888
Full Service Brick and Mortar
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