The Falls City National Bank in Falls City, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Falls City National Bank - Overview

  • General
  • FDIC Certificate #: 3193
    Status: Active
    Federal Reserve ID: 441050
    Date Established: March 23, 1907
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 2054
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: Highway 181 And Mavrick, Falls City, TX 78113
    County: Karnes
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $199.2 mil
    Equity capital: $18.0 mil
    Deposits held in domestic offices: $180.9 mil
    Return on assets (ROA): 1.05% ($2.1 mil)
    Quarterly return on assets: 0.68% ($1.4 mil)
    Return on Equity (ROE): 10.69% ($1.9 mil)
    Quarterly return on equity: 7.31% ($1.3 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.57% ($3,127.0 mil)
    Quarterly Pretax return on assets: 1.16% ($2,310.4 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
  • 27Total employees (full-time equivalent)
  • $199,173Total assets
  • $78,760Cash and due from depository institutions
  • $74,370Interest-bearing balances
  • $35,739Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $79,860Net loans & leases
  • $1,592Loan loss allowance
  • $0Trading account assets
  • $767Bank premises and fixed assets
  • $2,632Other real estate owned
  • $0Goodwill and other intangibles
  • $199,173Life insurance assets
  • $1,415All other assets
  • $181,204Total liabilities and capital
  • $180,948Total liabilities
  • $124,301Total deposits
  • $180,948Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $256Subordinated debt
  • $17,969All other liabilities
  • $17,969Total equity capital
  • $17,969Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $125Surplus
  • $17,744Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,897Income earned, not collected on loans
  • $0Earning assets
  • $669Long-term assets (5+ years)
  • $189,969Average Assets, year-to-date
  • $57,339Average Assets, quarterly
  • $180,241Volatile liabilities
  • $194,257Insider loans
  • $94,665FHLB advances
  • $193,592Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,964Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,576Restructured Loans and leases
  • $698Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,799Total interest income
  • $977Total interest expense
  • $5,822Net interest income
  • $400Provision for loan and lease losses
  • $299Total noninterest income
  • $0Fiduciary activities
  • $163Service charges on deposit accounts
  • $0Trading account gains & fees
  • $136Additional noninterest income
  • $2,885Total noninterest expense
  • $1,639Salaries and employee benefits
  • $165Premises and equipment expense
  • $1,081Additional noninterest expense
  • $2,836Pre-tax net operating income
  • $0Securities gains (losses)
  • $936Applicable income taxes
  • $1,900Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,900Net income attributable to bank
  • $0Net charge-offs
  • $1,900Cash dividends
  • $120Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.96%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 3.39%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 1.68%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.57%Pretax return on assets
  • 10.69%Return on equity (ROE)
  • 5.06%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 333.33%Credit loss provision to net charge-offs
  • 26.97%Efficiency ratio
  • 47,133Assets per employee
  • 7.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.63%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 40.85%Noncurrent assets plus other real estate owned to assets
  • 3.28%Noncurrent loans to loans
  • 4.78%Net loans and leases to deposits
  • 44.13%Net loans and leases to core deposits
  • 45.92%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 9.28%Tier 1 risk-based capital ratio
  • 18.98%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $180,241Average earning assets
  • $17,775Average equity
  • $171,764Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02054The Falls City National BankHighway 181 And Mavrick, Falls City, TX 78113March 23, 1907Full Service Brick and Mortar
    1196147Poth BranchDillworth Plaza, Poth, TX 78147June 05, 1991Full Service Brick and Mortar
    2361381Eagle Creek Branch14565 Fm 775, Floresville, TX 78114August 18, 2000Full Service Brick and Mortar

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