State National Bank of Texas in Iowa Park, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

State National Bank of Texas - Overview

  • General
  • FDIC Certificate #: 3270
    Status: Active
    Federal Reserve ID: 588058
    Bank Holding Company (Regulatory Top Holder): North Central Texas Bancshares, Inc. (RSSDID: 1104558, Location: Iowa Park, TX)
    Date Established: May 14, 1932
    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)
    FDIC's unique #: 2112
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 30, 2007
    Last Structure Change Process Date: May 08, 2007
    Last Data Update: May 08, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 104 West Park Street, Iowa Park, TX 76367
    County: Wichita
    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): Wichita Falls, TX (#9080)
    Core Based Statistical Area (CBSA): Wichita Falls, TX (#48660)
    CBSA Metro Statistical Area: Wichita Falls, TX (#48660)
  • Financial Summary
  • Total assets: $207.1 mil
    Equity capital: $19.7 mil
    Deposits held in domestic offices: $186.6 mil
    Return on assets (ROA): 1.02% ($2.1 mil)
    Quarterly return on assets: 1.42% ($2.9 mil)
    Return on Equity (ROE): 10.63% ($2.1 mil)
    Quarterly return on equity: 14.86% ($3.0 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.02% ($2,112.4 mil)
    Quarterly Pretax return on assets: 1.42% ($2,940.8 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
  • 73Total employees (full-time equivalent)
  • $207,100Total assets
  • $6,779Cash and due from depository institutions
  • $600Interest-bearing balances
  • $95,224Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $96,634Net loans & leases
  • $1,215Loan loss allowance
  • $0Trading account assets
  • $6,035Bank premises and fixed assets
  • $112Other real estate owned
  • $0Goodwill and other intangibles
  • $207,100Life insurance assets
  • $2,316All other assets
  • $187,417Total liabilities and capital
  • $186,582Total liabilities
  • $125,386Total deposits
  • $186,582Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 325.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $510Subordinated debt
  • $19,683All other liabilities
  • $19,683Total equity capital
  • $19,683Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $4,950Surplus
  • $14,333Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $348Income earned, not collected on loans
  • $0Earning assets
  • $1,072Long-term assets (5+ years)
  • $192,458Average Assets, year-to-date
  • $59,427Average Assets, quarterly
  • $199,085Volatile liabilities
  • $206,748Insider loans
  • $113,845FHLB advances
  • $208,198Loans and leases held for sale
  • $164Unused loan commitments
  • $164Tier 1 (core) risk-based capital
  • $17,937Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,277Restructured Loans and leases
  • $2,705Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,020Total interest income
  • $640Total interest expense
  • $7,380Net interest income
  • $312Provision for loan and lease losses
  • $1,506Total noninterest income
  • $0Fiduciary activities
  • $936Service charges on deposit accounts
  • $0Trading account gains & fees
  • $570Additional noninterest income
  • $6,539Total noninterest expense
  • $3,899Salaries and employee benefits
  • $836Premises and equipment expense
  • $1,804Additional noninterest expense
  • $2,035Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,035Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,035Net income attributable to bank
  • $0Net charge-offs
  • $2,035Cash dividends
  • $57Sale, conversion, retirement of capital stock, net
  • $1,066Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 10.63%Return on equity (ROE)
  • 5.06%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 547.37%Credit loss provision to net charge-offs
  • 41.18%Efficiency ratio
  • 73,588Assets per employee
  • 2.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.38%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 349.14%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 51.79%Net loans and leases to core deposits
  • 54.38%Equity capital to assets
  • 9.50%Core capital (leverage) ratio
  • 8.62%Tier 1 risk-based capital ratio
  • 15.76%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $199,085Average earning assets
  • $19,137Average equity
  • $185,269Average loans

List of branches

  • 8 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02112State National Bank Of Texas104 West Park Street, Iowa Park, TX 76367May 14, 1932Full Service Brick and Mortar
    1196251Wichita Falls Branch2618 Iowa Park Road, Wichita Falls, TX 76305July 05, 1994Full Service Brick and Mortar
    29322Electra Branch100 North Main Street, Electra, TX 76360December 11, 1931Full Service Brick and Mortar
    335234Windthorst BranchU.S. Highway 281 And St. Mary's Street, Windthorst, TX 76389Febuary 03, 1986Full Service Brick and Mortar
    4259669Holliday Branch400 South Walnut Street, Holliday, TX 76366March 01, 1988Full Service Brick and Mortar
    5259670Archer City Branch201 South Center Street, Archer City, TX 76351April 01, 1996Full Service Brick and Mortar
    6196252Jacksboro Highway Branch4301 Jacksboro Highway, Wichita Falls, TX 76302October 21, 1999Full Service Brick and Mortar
    7491962Vernon Branch901 Hillcrest Drive, Vernon, TX 76384Febuary 17, 2009Full Service Brick and Mortar

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