The First Bank in Roxton, Texas (TX)

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The First Bank routing number info

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The First Bank
GeneralFDIC 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
LocationAddress: 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 ChangesName Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)17
Total assets$52,256
Cash and due from depository institutions$10,438
Interest-bearing balances$9,160
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$34,405
Loan loss allowance $698
Trading account assets$0
Bank premises and fixed assets$1,476
Other real estate owned$289
Goodwill and other intangibles$0
All other assets$397
Life insurance assets$52,256
Total liabilities and capital$44,052
Total liabilities$43,963
Total deposits$36,601
Interest-bearing deposits$43,963
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $89
All other liabilities $8,204
Total equity capital$8,204
Total bank equity capital$8,204
Perpetual preferred stock$0
Common stock$767
Undivided profits $2,767
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 $723
Earning assets $0
Long-term assets (5+ years) $322
Average Assets, year-to-date $48,816
Average Assets, quarterly $13,974
Volatile liabilities $85,077
Insider loans $52,780
FHLB advances $30,631
Loans and leases held for sale $52,845
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $8,204
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,699
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,436
Total interest expense $953
Net interest income $2,483
Provision for loan and lease losses $330
Total noninterest income $528
Fiduciary activities $0
Service charges on deposit accounts $360
Trading account gains & fees $0
Additional noninterest income $168
Total noninterest expense $3,121
Salaries and employee benefits $1,369
Premises and equipment expense $411
Additional noninterest expense $1,341
Pre-tax net operating income -$440
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$440
Extraordinary gains - net $2,119
Net income attributable to bank $1,679
Net charge-offs $0
Cash dividends $1,679
Sale, conversion, retirement of capital stock, net $169
Net operating income $695
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.36%
Cost of funding earning assets 1.21%
Net interest margin 3.15%
Noninterest income to earning assets 0.67%
Noninterest expense to earning assets 3.96%
Net operating income to assets -0.52%
Return on assets (ROA) 1.97%
Pretax return on assets 1.97%
Return on equity (ROE) 22.00%
Retained earnings to average equity (YTD only) 12.89%
Net charge-offs to loans 0.33%
Credit loss provision to net charge-offs 195.27%
Efficiency ratio-0.65%
Assets per employee$103,653
Cash dividends to net income (YTD only)3.07%
Condition Ratios (%)
Loss allowance to loans 41.39%
Loss allowance to noncurrent loans 1.99%
Noncurrent assets plus other real estate owned to assets 96.54%
Noncurrent loans to loans 1.94%
Net loans and leases to deposits2.06%
Net loans and leases to core deposits 78.26%
Equity capital to assets 86.16%
Core capital (leverage) ratio 15.70%
Tier 1 risk-based capital ratio 15.52%
Total risk-based capital ratio 26.78%
Average assets$28
Average earning assets$85,077
Average equity $7,633
Average loans $78,862
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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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