State National Bank of Texas in city_name, state_name - Detailed Financial Reports, Location

State National Bank of Texas in Iowa Park, Texas (TX)
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State National Bank of Texas routing number info

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
WWW: http://www.snbt.net
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

No	ID	Name	Address	Established	Service Type
0	2112	State National Bank Of Texas	104 West Park Street, Iowa Park, TX 76367	May 14, 1932	Full Service Brick and Mortar
1	196251	Wichita Falls Branch	2618 Iowa Park Road, Wichita Falls, TX 76305	July 05, 1994	Full Service Brick and Mortar
2	9322	Electra Branch	100 North Main Street, Electra, TX 76360	December 11, 1931	Full Service Brick and Mortar
3	35234	Windthorst Branch	U.S. Highway 281 And St. Mary's Street, Windthorst, TX 76389	Febuary 03, 1986	Full Service Brick and Mortar
4	259669	Holliday Branch	400 South Walnut Street, Holliday, TX 76366	March 01, 1988	Full Service Brick and Mortar
5	259670	Archer City Branch	201 South Center Street, Archer City, TX 76351	April 01, 1996	Full Service Brick and Mortar
6	196252	Jacksboro Highway Branch	4301 Jacksboro Highway, Wichita Falls, TX 76302	October 21, 1999	Full Service Brick and Mortar
7	491962	Vernon Branch	901 Hillcrest Drive, Vernon, TX 76384	Febuary 17, 2009	Full Service Brick and Mortar

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

State National Bank of Texas - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

State National Bank of Texas - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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