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

Texas National Bank - Overview

  • General
  • FDIC Certificate #: 34014
    Status: Active
    Federal Reserve ID: 1435092
    Bank Holding Company (Regulatory Top Holder): Mesa Financial Corporation (RSSDID: 2299040, Location: Sweetwater, TX)
    Date Established: May 08, 1995
    WWW: http://www.tnbnetbank.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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 55592
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: May 08, 1995
    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: 400 East Broadway, Sweetwater, TX 79556
    County: Nolan
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Sweetwater, TX (#45020)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $90.8 mil
    Equity capital: $12.9 mil
    Deposits held in domestic offices: $77.9 mil
    Return on assets (ROA): 1.48% ($1.3 mil)
    Quarterly return on assets: 1.54% ($1.4 mil)
    Return on Equity (ROE): 10.57% ($1.4 mil)
    Quarterly return on equity: 10.91% ($1.4 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.48% ($1,344.5 mil)
    Quarterly Pretax return on assets: 1.54% ($1,399.0 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
  • 25Total employees (full-time equivalent)
  • $90,843Total assets
  • $7,721Cash and due from depository institutions
  • $5,716Interest-bearing balances
  • $57,298Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $23,586Net loans & leases
  • $640Loan loss allowance
  • $0Trading account assets
  • $629Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $90,843Life insurance assets
  • $1,609All other assets
  • $77,977Total liabilities and capital
  • $77,909Total liabilities
  • $58,330Total deposits
  • $77,909Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $68Subordinated debt
  • $12,866All other liabilities
  • $12,866Total equity capital
  • $12,866Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $3,350Surplus
  • $8,516Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $38Income earned, not collected on loans
  • $0Earning assets
  • $622Long-term assets (5+ years)
  • $86,600Average Assets, year-to-date
  • $45,315Average Assets, quarterly
  • $87,337Volatile liabilities
  • $92,036Insider loans
  • $42,456FHLB advances
  • $92,090Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,617Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,122Restructured Loans and leases
  • $450Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,362Total interest income
  • $346Total interest expense
  • $3,016Net interest income
  • $0Provision for loan and lease losses
  • $701Total noninterest income
  • $0Fiduciary activities
  • $445Service charges on deposit accounts
  • $0Trading account gains & fees
  • $256Additional noninterest income
  • $2,470Total noninterest expense
  • $1,393Salaries and employee benefits
  • $325Premises and equipment expense
  • $752Additional noninterest expense
  • $1,247Pre-tax net operating income
  • $45Securities gains (losses)
  • $0Applicable income taxes
  • $1,292Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,292Net income attributable to bank
  • $0Net charge-offs
  • $1,292Cash dividends
  • -$54Sale, conversion, retirement of capital stock, net
  • $641Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.05%Yield on earning assets
  • 0.42%Cost of funding earning assets
  • 3.63%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 1.43%Net operating income to assets
  • 1.48%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 10.57%Return on equity (ROE)
  • 5.33%Retained earnings to average equity (YTD only)
  • -0.21%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,451Assets per employee
  • 3.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.61%Loss allowance to loans
  • 2.64%Loss allowance to noncurrent loans
  • 1684.21%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.16%Net loans and leases to deposits
  • 30.27%Net loans and leases to core deposits
  • 30.98%Equity capital to assets
  • 14.16%Core capital (leverage) ratio
  • 11.53%Tier 1 risk-based capital ratio
  • 25.01%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $87,337Average earning assets
  • $12,223Average equity
  • $83,078Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    055592Texas National Bank400 East Broadway, Sweetwater, TX 79556May 08, 1995Full Service Brick and Mortar

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