Texas Heritage National Bank in Daingerfield, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Texas Heritage National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Name Change
  • Financial Summary
  • Total 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
  • 33Total employees (full-time equivalent)
  • $109,144Total assets
  • $9,175Cash and due from depository institutions
  • $654Interest-bearing balances
  • $16,739Securities
  • $6,170Federal funds sold & reverse repurchase agreements
  • $70,172Net loans & leases
  • $1,097Loan loss allowance
  • $0Trading account assets
  • $2,442Bank premises and fixed assets
  • $17Other real estate owned
  • $8Goodwill and other intangibles
  • $109,144Life insurance assets
  • $4,421All other assets
  • $99,414Total liabilities and capital
  • $86,355Total liabilities
  • $75,398Total deposits
  • $86,355Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,000Trading liabilities
  • $0Other borrowed funds
  • $59Subordinated debt
  • $9,730All other liabilities
  • $9,730Total equity capital
  • $9,730Total bank equity capital
  • $0Perpetual preferred stock
  • $280Common stock
  • $4,323Surplus
  • $5,127Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,652Income earned, not collected on loans
  • $0Earning assets
  • $747Long-term assets (5+ years)
  • $93,735Average Assets, year-to-date
  • $19,744Average Assets, quarterly
  • $110,462Volatile liabilities
  • $109,757Insider loans
  • $73,358FHLB advances
  • $108,633Loans and leases held for sale
  • $2,380Unused loan commitments
  • $2,380Tier 1 (core) risk-based capital
  • $9,894Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,657Restructured Loans and leases
  • $303Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,267Total interest income
  • $1,579Total interest expense
  • $3,688Net interest income
  • $0Provision for loan and lease losses
  • $445Total noninterest income
  • $0Fiduciary activities
  • $281Service charges on deposit accounts
  • $0Trading account gains & fees
  • $164Additional noninterest income
  • $3,109Total noninterest expense
  • $1,562Salaries and employee benefits
  • $384Premises and equipment expense
  • $1,163Additional noninterest expense
  • $1,024Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,024Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,024Net income attributable to bank
  • $0Net charge-offs
  • $1,024Cash dividends
  • $95Sale, conversion, retirement of capital stock, net
  • $382Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.48%Yield on earning assets
  • 1.64%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 11.02%Return on equity (ROE)
  • 6.91%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 10.78%Efficiency ratio
  • 74,595Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.30%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 66.40%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 2.32%Net loans and leases to deposits
  • 81.26%Net loans and leases to core deposits
  • 88.44%Equity capital to assets
  • 8.91%Core capital (leverage) ratio
  • 9.11%Tier 1 risk-based capital ratio
  • 13.49%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $110,462Average earning assets
  • $9,292Average equity
  • $96,115Average loans

List of branches

  • 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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