The First National Bank in Falfurrias in Falfurrias, Texas (TX)
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Table of contents:
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 25 |
| Total assets | $79,336 |
| Cash and due from depository institutions | $21,398 |
| Interest-bearing balances | $19,984 |
| Securities | $41,548 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $15,663 |
| Loan loss allowance | $161 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $170 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $557 |
| Life insurance assets | $79,336 |
| Total liabilities and capital | $71,290 |
| Total liabilities | $71,258 |
| Total deposits | $55,096 |
| Interest-bearing deposits | $71,258 |
| Deposits held in domestic offices | $69 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $32 |
| All other liabilities | $8,046 |
| Total equity capital | $8,046 |
| Total bank equity capital | $8,046 |
| Perpetual preferred stock | $0 |
| Common stock | $200 |
| Surplus | $800 |
| Undivided profits | $7,046 |
| Memoranda | |
| 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 | $100 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $333 |
| Average Assets, year-to-date | $77,195 |
| Average Assets, quarterly | $1,341 |
| Volatile liabilities | $71,940 |
| Insider loans | $73,317 |
| FHLB advances | $21,506 |
| Loans and leases held for sale | $75,812 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $7,786 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $1,582 |
| Derivatives | $337 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,950 |
| Total interest expense | $212 |
| Net interest income | $1,738 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $706 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $652 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $54 |
| Total noninterest expense | $1,879 |
| Salaries and employee benefits | $1,007 |
| Premises and equipment expense | $140 |
| Additional noninterest expense | $732 |
| Pre-tax net operating income | $565 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $565 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $565 |
| Net charge-offs | $0 |
| Cash dividends | $565 |
| Sale, conversion, retirement of capital stock, net | $67 |
| Net operating income | $505 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 2.80% |
| Cost of funding earning assets | 0.30% |
| Net interest margin | 2.49% |
| Noninterest income to earning assets | 1.01% |
| Noninterest expense to earning assets | 2.70% |
| Net operating income to assets | 0.79% |
| Return on assets (ROA) | 0.79% |
| Pretax return on assets | 0.79% |
| Return on equity (ROE) | 6.99% |
| Retained earnings to average equity (YTD only) | 0.74% |
| Net charge-offs to loans | 0.40% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 8.43% |
| Assets per employee | $76,882 |
| Cash dividends to net income (YTD only) | 3.17% |
| Condition Ratios (%) | |
| Loss allowance to loans | 89.38% |
| Loss allowance to noncurrent loans | 1.02% |
| Noncurrent assets plus other real estate owned to assets | 161.00% |
| Noncurrent loans to loans | 0.13% |
| Net loans and leases to deposits | 0.63% |
| Net loans and leases to core deposits | 21.98% |
| Equity capital to assets | 22.43% |
| Core capital (leverage) ratio | 10.14% |
| Tier 1 risk-based capital ratio | 10.27% |
| Total risk-based capital ratio | 36.20% |
| Memoranda | |
| Average assets | $37 |
| Average earning assets | $71,940 |
| Average equity | $8,079 |
| Average loans | $69,701 |
| 1 Texas Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 8808 | The First National Bank In Falfurria | 200 South St Mary Street, Falfurrias, TX 78355 | January 01, 1934 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.