NewFirst National Bank in El Campo, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

NewFirst National Bank - Overview

  • General
  • FDIC Certificate #: 3183
    Status: Active
    Federal Reserve ID: 938859
    Bank Holding Company (Regulatory Top Holder): Newfirst Financial Group, Inc. (RSSDID: 3213922, Location: El Campo, TX)
    Date Established: January 01, 1902
    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: 10 (Domestic: 10, Interstate: No)
    FDIC's unique #: 2045
    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: 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: 200 East Jackson Street, El Campo, TX 77437
    County: Wharton
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): El Campo, TX (#20900)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $454.2 mil
    Equity capital: $43.2 mil
    Deposits held in domestic offices: $407.6 mil
    Return on assets (ROA): 1.93% ($8.8 mil)
    Quarterly return on assets: 2.06% ($9.4 mil)
    Return on Equity (ROE): 20.47% ($8.8 mil)
    Quarterly return on equity: 21.39% ($9.2 mil)
    Net income: $8.3 mil
    Quarterly Net income: $2.3 mil
    Pretax return on assets: 1.93% ($8,765.3 mil)
    Quarterly Pretax return on assets: 2.06% ($9,355.7 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
  • 109Total employees (full-time equivalent)
  • $454,161Total assets
  • $94,949Cash and due from depository institutions
  • $83,500Interest-bearing balances
  • $48,909Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $290,260Net loans & leases
  • $4,819Loan loss allowance
  • $0Trading account assets
  • $7,456Bank premises and fixed assets
  • $669Other real estate owned
  • $439Goodwill and other intangibles
  • $454,161Life insurance assets
  • $11,479All other assets
  • $410,977Total liabilities and capital
  • $407,614Total liabilities
  • $269,462Total deposits
  • $407,614Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,363Subordinated debt
  • $43,184All other liabilities
  • $43,184Total equity capital
  • $43,184Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $4,800Surplus
  • $38,284Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,595Income earned, not collected on loans
  • $0Earning assets
  • $1,822Long-term assets (5+ years)
  • $422,669Average Assets, year-to-date
  • $60,652Average Assets, quarterly
  • $430,900Volatile liabilities
  • $446,644Insider loans
  • $286,064FHLB advances
  • $440,753Loans and leases held for sale
  • $8,039Unused loan commitments
  • $7,769Tier 1 (core) risk-based capital
  • $40,571Tier 2 risk-based capital
  • $270Total risk weighted assets
  • $0Total unused commitments
  • $49,613Restructured Loans and leases
  • $4Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,163Total interest income
  • $1,511Total interest expense
  • $20,652Net interest income
  • $600Provision for loan and lease losses
  • $3,700Total noninterest income
  • $0Fiduciary activities
  • $1,764Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,936Additional noninterest income
  • $15,428Total noninterest expense
  • $9,072Salaries and employee benefits
  • $1,658Premises and equipment expense
  • $4,698Additional noninterest expense
  • $8,324Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $8,324Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,324Net income attributable to bank
  • $0Net charge-offs
  • $8,324Cash dividends
  • $703Sale, conversion, retirement of capital stock, net
  • $4,308Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.58%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 5.20%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.88%Noninterest expense to earning assets
  • 1.93%Net operating income to assets
  • 1.93%Return on assets (ROA)
  • 1.93%Pretax return on assets
  • 20.47%Return on equity (ROE)
  • 9.87%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 85.35%Credit loss provision to net charge-offs
  • 12.69%Efficiency ratio
  • 63,354Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.75%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 73.07%Noncurrent assets plus other real estate owned to assets
  • 1.60%Noncurrent loans to loans
  • 2.23%Net loans and leases to deposits
  • 71.21%Net loans and leases to core deposits
  • 74.58%Equity capital to assets
  • 9.51%Core capital (leverage) ratio
  • 9.20%Tier 1 risk-based capital ratio
  • 14.18%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $430,900Average earning assets
  • $40,669Average equity
  • $397,374Average loans

Total Fiduciary and Related Assets (December 31, 2007)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,173Managed Assets
  • 1Number of Accounts
  • $3,173Personal trust and agency accounts
  • $2,521Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $652Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 9Number 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
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 10 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02045Newfirst National Bank200 East Jackson Street, El Campo, TX 77437January 01, 1902Full Service Brick and Mortar
    1196132Detached Drive-In Facility205 East Calhoun, El Campo, TX 77437August 21, 1980Limited Service Facility
    2838Wharton Branch101 East Milam Street, Wharton, TX 77488January 01, 1916Full Service Brick and Mortar
    3196133Wharton Drive-In Branch117 East Milam Street, Wharton, TX 77488December 04, 1989Limited Service Facility
    4362644Rosenberg Branch2214 Ave H, Rosenberg, TX 77471December 03, 2001Full Service Brick and Mortar
    5430084Sam Houston Branch7906 N Sam Houston Pkwy W, Suite 100, Houston, TX 77064December 11, 2003Full Service Brick and Mortar
    6442556Victoria Branch10301 Ne Zac Lentz Parkway, Victoria, TX 77904June 01, 2005Full Service Brick and Mortar
    7454489Needville Branch8914 Main St, Needville, TX 77461July 11, 2005Full Service Brick and Mortar
    8454490Sugar Land Branch50 Sugar Creek Center Blvd. Ste. 100, Sugar Land, TX 77478April 24, 2006Full Service Brick and Mortar
    9478808El Campo North Branch3599 Fm 2765, El Campo, TX 77437June 09, 2008Full Service Brick and Mortar

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