Texas Heritage National Bank in Daingerfield, Texas (TX)



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Texas Heritage National Bank
GeneralFDIC Certificate #: 3161
Status: Active
Federal Reserve ID: 824653
Bank Holding Company (Regulatory Top Holder): Daingerfield Holding Company (RSSDID: 3220836, Location: Daingerfield, TX)
Date Established: January 01, 1892
WWW: http://www.texashnb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 13546
FDIC's unique #: 2027
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 01, 2008
Last Structure Change Process Date: May 27, 2008
Last Data Update: May 27, 2008
Data Source Date: April 05, 2012
LocationAddress: 107 Webb Street, Daingerfield, TX 75638
County: Morris
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
History of ChangesName Change
Financial SummaryTotal assets: $109.1 mil
Equity capital: $9.7 mil
Deposits held in domestic offices: $86.4 mil
Return on assets (ROA): 0.93% ($1.0 mil)
Quarterly return on assets: 1.04% ($1.1 mil)
Return on Equity (ROE): 11.02% ($1.1 mil)
Quarterly return on equity: 11.84% ($1.2 mil)
Net income: $1.0 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.93% ($1,015.0 mil)
Quarterly Pretax return on assets: 1.04% ($1,135.1 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)
Total employees (full-time equivalent)33
Total assets$109,144
Cash and due from depository institutions$9,175
Interest-bearing balances$654
Securities$16,739
Federal funds sold & reverse repurchase agreements$6,170
Net loans & leases$70,172
Loan loss allowance $1,097
Trading account assets$0
Bank premises and fixed assets$2,442
Other real estate owned$17
Goodwill and other intangibles$8
All other assets$4,421
Life insurance assets$109,144
Total liabilities and capital$99,414
Total liabilities$86,355
Total deposits$75,398
Interest-bearing deposits$86,355
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,000
Other borrowed funds $0
Subordinated debt $59
All other liabilities $9,730
Total equity capital$9,730
Total bank equity capital$9,730
Perpetual preferred stock$0
Common stock$280
Surplus$4,323
Undivided profits $5,127
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,652
Earning assets $0
Long-term assets (5+ years) $747
Average Assets, year-to-date $93,735
Average Assets, quarterly $19,744
Volatile liabilities $110,462
Insider loans $109,757
FHLB advances $73,358
Loans and leases held for sale $108,633
Unused loan commitments $2,380
Tier 1 (core) risk-based capital $2,380
Tier 2 risk-based capital $9,894
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,657
Derivatives$303
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,267
Total interest expense $1,579
Net interest income $3,688
Provision for loan and lease losses $0
Total noninterest income $445
Fiduciary activities $0
Service charges on deposit accounts $281
Trading account gains & fees $0
Additional noninterest income $164
Total noninterest expense $3,109
Salaries and employee benefits $1,562
Premises and equipment expense $384
Additional noninterest expense $1,163
Pre-tax net operating income $1,024
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,024
Extraordinary gains - net $0
Net income attributable to bank $1,024
Net charge-offs $0
Cash dividends $1,024
Sale, conversion, retirement of capital stock, net $95
Net operating income $382
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.48%
Cost of funding earning assets 1.64%
Net interest margin 3.84%
Noninterest income to earning assets 0.46%
Noninterest expense to earning assets 3.23%
Net operating income to assets 0.93%
Return on assets (ROA) 0.93%
Pretax return on assets 0.93%
Return on equity (ROE) 11.02%
Retained earnings to average equity (YTD only) 6.91%
Net charge-offs to loans 0.13%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio10.78%
Assets per employee$74,595
Cash dividends to net income (YTD only)3.31%
Condition Ratios (%)
Loss allowance to loans 37.30%
Loss allowance to noncurrent loans 1.54%
Noncurrent assets plus other real estate owned to assets 66.40%
Noncurrent loans to loans 1.53%
Net loans and leases to deposits2.32%
Net loans and leases to core deposits 81.26%
Equity capital to assets 88.44%
Core capital (leverage) ratio 8.91%
Tier 1 risk-based capital ratio 9.11%
Total risk-based capital ratio 13.49%
Memoranda
Average assets$15
Average earning assets$110,462
Average equity $9,292
Average loans $96,115
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5 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02027Texas Heritage National Bank107 Webb Street, Daingerfield, TX 75638January 01, 1892Full Service Brick and Mortar
1196107South Drive-In Branch1217 Linda Drive, Daingerfield, TX 75638March 17, 1997Limited Service Facility
2256751Omaha Branch103 North Main, Omaha, TX 75571September 22, 1994Full Service Brick and Mortar
5419561Nbd Ore City BranchHwy 259, Ore City, TX 75683March 31, 2003Full Service Brick and Mortar
6493784Sulphur Springs-Branch215 N Hillcrest, Sulphur Springs, TX 75482January 05, 2009Full Service Brick and Mortar
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