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

The First Bank of Celeste - Overview

  • General
  • FDIC Certificate #: 3133
    Status: Active
    Federal Reserve ID: 871956
    Bank Holding Company (Regulatory Top Holder): Metroplex North Bancshares, Inc. Employee Stock Ownership Plan (RSSDID: 2754594, Location: Mcgregor, TX)
    Date Established: January 01, 1900
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 2005
    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: Commercial Lending Specialization
    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: 301 N. Hwy 69, Celeste, TX 75423
    County: Hunt
    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
    Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $39.6 mil
    Equity capital: $3.5 mil
    Deposits held in domestic offices: $36.1 mil
    Return on assets (ROA): 0.79% ($0.3 mil)
    Quarterly return on assets: 0.67% ($0.3 mil)
    Return on Equity (ROE): 9.02% ($0.3 mil)
    Quarterly return on equity: 7.55% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.79% ($312.9 mil)
    Quarterly Pretax return on assets: 0.67% ($265.3 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, 2011)

  • Dollar figures in thousands
  • 12Total employees (full-time equivalent)
  • $39,603Total assets
  • $13,764Cash and due from depository institutions
  • $11,515Interest-bearing balances
  • $4,620Securities
  • $980Federal funds sold & reverse repurchase agreements
  • $19,529Net loans & leases
  • $358Loan loss allowance
  • $0Trading account assets
  • $375Bank premises and fixed assets
  • $122Other real estate owned
  • $0Goodwill and other intangibles
  • $39,603Life insurance assets
  • $213All other assets
  • $36,109Total liabilities and capital
  • $36,051Total liabilities
  • $26,166Total deposits
  • $36,051Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $58Subordinated debt
  • $3,494All other liabilities
  • $3,494Total equity capital
  • $3,494Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $2,300Surplus
  • $1,094Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $106Long-term assets (5+ years)
  • $36,644Average Assets, year-to-date
  • $11,875Average Assets, quarterly
  • $39,634Volatile liabilities
  • $39,452Insider loans
  • $20,150FHLB advances
  • $39,358Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,494Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $504Restructured Loans and leases
  • $63Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,585Total interest income
  • $207Total interest expense
  • $1,378Net interest income
  • -$18Provision for loan and lease losses
  • $314Total noninterest income
  • $0Fiduciary activities
  • $222Service charges on deposit accounts
  • $0Trading account gains & fees
  • $92Additional noninterest income
  • $1,396Total noninterest expense
  • $704Salaries and employee benefits
  • $117Premises and equipment expense
  • $575Additional noninterest expense
  • $314Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $314Income before extraordinary items
  • $0Extraordinary gains - net
  • $314Net income attributable to bank
  • $0Net charge-offs
  • $314Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $284Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.30%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 3.74%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.79%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.79%Pretax return on assets
  • 9.02%Return on equity (ROE)
  • 0.86%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • 1800.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 82,506Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.45%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 54.17%Net loans and leases to core deposits
  • 54.17%Equity capital to assets
  • 8.82%Core capital (leverage) ratio
  • 8.88%Tier 1 risk-based capital ratio
  • 17.34%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $39,634Average earning assets
  • $3,481Average equity
  • $36,859Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02005The First Bank Of Celeste301 N. Hwy 69, Celeste, TX 75423January 01, 1900Full Service Brick and Mortar

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