The First Bank in Roxton, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First Bank - Overview

  • General
  • FDIC Certificate #: 15731
    Status: Active
    Federal Reserve ID: 435666
    Bank Holding Company (Regulatory Top Holder): First Bancshares Of Texas, Inc. Employee Stock Ownership Plan And Trust (RSSDID: 2851608, Location: Mcgregor, TX)
    Date Established: March 30, 1940
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 9990
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: March 30, 1940
    Last Structure Change Effective Date: March 01, 2011
    Last Structure Change Process Date: March 23, 2011
    Last Data Update: March 23, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 210 Harrison Street, Roxton, TX 75477
    County: Lamar
    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
    Core Based Statistical Area (CBSA): Paris, TX (#37580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $52.3 mil
    Equity capital: $8.2 mil
    Deposits held in domestic offices: $44.0 mil
    Return on assets (ROA): 1.97% ($1.0 mil)
    Quarterly return on assets: -0.17% (-$0.1 mil)
    Return on Equity (ROE): 22.00% ($1.8 mil)
    Quarterly return on equity: -1.06% (-$0.1 mil)
    Net income: $1.7 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 1.97% ($1,029.4 mil)
    Quarterly Pretax return on assets: -0.17% (-$88.8 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
  • 17Total employees (full-time equivalent)
  • $52,256Total assets
  • $10,438Cash and due from depository institutions
  • $9,160Interest-bearing balances
  • $5,251Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $34,405Net loans & leases
  • $698Loan loss allowance
  • $0Trading account assets
  • $1,476Bank premises and fixed assets
  • $289Other real estate owned
  • $0Goodwill and other intangibles
  • $52,256Life insurance assets
  • $397All other assets
  • $44,052Total liabilities and capital
  • $43,963Total liabilities
  • $36,601Total deposits
  • $43,963Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $89Subordinated debt
  • $8,204All other liabilities
  • $8,204Total equity capital
  • $8,204Total bank equity capital
  • $0Perpetual preferred stock
  • $767Common stock
  • $4,670Surplus
  • $2,767Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $723Income earned, not collected on loans
  • $0Earning assets
  • $322Long-term assets (5+ years)
  • $48,816Average Assets, year-to-date
  • $13,974Average Assets, quarterly
  • $85,077Volatile liabilities
  • $52,780Insider loans
  • $30,631FHLB advances
  • $52,845Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,204Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,699Restructured Loans and leases
  • $63Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,436Total interest income
  • $953Total interest expense
  • $2,483Net interest income
  • $330Provision for loan and lease losses
  • $528Total noninterest income
  • $0Fiduciary activities
  • $360Service charges on deposit accounts
  • $0Trading account gains & fees
  • $168Additional noninterest income
  • $3,121Total noninterest expense
  • $1,369Salaries and employee benefits
  • $411Premises and equipment expense
  • $1,341Additional noninterest expense
  • -$440Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$440Income before extraordinary items
  • $2,119Extraordinary gains - net
  • $1,679Net income attributable to bank
  • $0Net charge-offs
  • $1,679Cash dividends
  • $169Sale, conversion, retirement of capital stock, net
  • $695Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.36%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.15%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 3.96%Noninterest expense to earning assets
  • -0.52%Net operating income to assets
  • 1.97%Return on assets (ROA)
  • 1.97%Pretax return on assets
  • 22.00%Return on equity (ROE)
  • 12.89%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 195.27%Credit loss provision to net charge-offs
  • -0.65%Efficiency ratio
  • 103,653Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.39%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 96.54%Noncurrent assets plus other real estate owned to assets
  • 1.94%Noncurrent loans to loans
  • 2.06%Net loans and leases to deposits
  • 78.26%Net loans and leases to core deposits
  • 86.16%Equity capital to assets
  • 15.70%Core capital (leverage) ratio
  • 15.52%Tier 1 risk-based capital ratio
  • 26.78%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $85,077Average earning assets
  • $7,633Average equity
  • $78,862Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09990The First Bank210 Harrison Street, Roxton, TX 75477March 30, 1940Full Service Brick and Mortar
    3419580Security Bank Crawford Branch6688 N. Lonestar Parkway, Crawford, TX 76638April 21, 2003Full Service Brick and Mortar

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