The First Bank of Celeste in Celeste, Texas (TX)

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The First Bank of Celeste routing number info

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The First Bank of Celeste
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)12
Total assets$39,603
Cash and due from depository institutions$13,764
Interest-bearing balances$11,515
Federal funds sold & reverse repurchase agreements$980
Net loans & leases$19,529
Loan loss allowance $358
Trading account assets$0
Bank premises and fixed assets$375
Other real estate owned$122
Goodwill and other intangibles$0
All other assets$213
Life insurance assets$39,603
Total liabilities and capital$36,109
Total liabilities$36,051
Total deposits$26,166
Interest-bearing deposits$36,051
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $58
All other liabilities $3,494
Total equity capital$3,494
Total bank equity capital$3,494
Perpetual preferred stock$0
Common stock$100
Undivided profits $1,094
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 $0
Earning assets $0
Long-term assets (5+ years) $106
Average Assets, year-to-date $36,644
Average Assets, quarterly $11,875
Volatile liabilities $39,634
Insider loans $39,452
FHLB advances $20,150
Loans and leases held for sale $39,358
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,494
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $504
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,585
Total interest expense $207
Net interest income $1,378
Provision for loan and lease losses -$18
Total noninterest income $314
Fiduciary activities $0
Service charges on deposit accounts $222
Trading account gains & fees $0
Additional noninterest income $92
Total noninterest expense $1,396
Salaries and employee benefits $704
Premises and equipment expense $117
Additional noninterest expense $575
Pre-tax net operating income $314
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $314
Extraordinary gains - net $0
Net income attributable to bank $314
Net charge-offs $0
Cash dividends $314
Sale, conversion, retirement of capital stock, net -$1
Net operating income $284
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.30%
Cost of funding earning assets 0.56%
Net interest margin 3.74%
Noninterest income to earning assets 0.85%
Noninterest expense to earning assets 3.79%
Net operating income to assets 0.79%
Return on assets (ROA) 0.79%
Pretax return on assets 0.79%
Return on equity (ROE) 9.02%
Retained earnings to average equity (YTD only) 0.86%
Net charge-offs to loans -0.00%
Credit loss provision to net charge-offs 1800.00%
Efficiency ratio0.00%
Assets per employee$82,506
Cash dividends to net income (YTD only)3.30%
Condition Ratios (%)
Loss allowance to loans 90.45%
Loss allowance to noncurrent loans 1.80%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.31%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 54.17%
Equity capital to assets 54.17%
Core capital (leverage) ratio 8.82%
Tier 1 risk-based capital ratio 8.88%
Total risk-based capital ratio 17.34%
Average assets$19
Average earning assets$39,634
Average equity $3,481
Average loans $36,859
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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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