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
    WWW: http://www.firstbankceleste.com
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The First Bank of Celeste.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents