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

This bank is inactive as of July 07, 2009

  • The First Bank, Roxton, Texas in Roxton, Texas (TX)
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The First Bank, Roxton, Texas - Overview

  • General
  • FDIC Certificate #: 5503
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The First Bank (#15731)
    Federal Reserve ID: 34863
    Date Established: January 01, 1901
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 3733
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 07, 2009
    Last Structure Change Process Date: July 16, 2009
    Last Data Update: July 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 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
  • Financial Summary
  • Total assets: $19.3 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, 2008)

  • Dollar figures in thousands
  • 9Total employees (full-time equivalent)
  • $18,139Total assets
  • $735Cash and due from depository institutions
  • $0Interest-bearing balances
  • $4,002Securities
  • $2,915Federal funds sold & reverse repurchase agreements
  • $10,144Net loans & leases
  • $194Loan loss allowance
  • $0Trading account assets
  • $152Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $191All other assets
  • $18,139Total liabilities and capital
  • $17,032Total liabilities
  • $16,924Total deposits
  • $13,426Interest-bearing deposits
  • $16,924Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $108All other liabilities
  • $1,107Total equity capital
  • $1,107Total bank equity capital
  • $1,107Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $400Undivided profits
  • Memoranda
  • $607Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $7Earning assets
  • $0Long-term assets (5+ years)
  • $159Average Assets, year-to-date
  • $17,061Average Assets, quarterly
  • $2,120Volatile liabilities
  • $19,471Insider loans
  • $18,183FHLB advances
  • $3,810Loans and leases held for sale
  • $23Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $127Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $1,341Total interest income
  • $491Total interest expense
  • $850Net interest income
  • $312Provision for loan and lease losses
  • $223Total noninterest income
  • $0Fiduciary activities
  • $168Service charges on deposit accounts
  • $0Trading account gains & fees
  • $55Additional noninterest income
  • $1,103Total noninterest expense
  • $509Salaries and employee benefits
  • $74Premises and equipment expense
  • $520Additional noninterest expense
  • -$342Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$342Income before extraordinary items
  • $0Extraordinary gains - net
  • -$342Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $349Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.42%Yield on earning assets
  • 2.72%Cost of funding earning assets
  • 4.70%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 6.10%Noninterest expense to earning assets
  • -1.76%Net operating income to assets
  • -1.76%Return on assets (ROA)
  • -1.76%Pretax return on assets
  • -26.34%Return on equity (ROE)
  • -26.34%Retained earnings to average equity (YTD only)
  • 3.04%Net charge-offs to loans
  • 89.40%Credit loss provision to net charge-offs
  • -0.09%Efficiency ratio
  • 102,796Assets per employee
  • 2.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.88%Loss allowance to noncurrent loans
  • 2771.43%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 59.94%Net loans and leases to core deposits
  • 77.35%Equity capital to assets
  • 6.10%Core capital (leverage) ratio
  • 6.12%Tier 1 risk-based capital ratio
  • 10.95%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $19,471Average earning assets
  • $1,299Average equity
  • $18,074Average loans

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