National Bank & Trust in La Grange, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


National Bank & Trust - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    02128National Bank & Trust141 West Colorado Street, La Grange, TX 78945July 05, 1888Full Service Brick and Mortar

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