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


The First National Bank in Falfurrias - Overview

  • General
  • FDIC Certificate #: 14095
    Status: Active
    Federal Reserve ID: 442655
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 8808
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: March 21, 1934
    Last Structure Change Effective Date: December 11, 2008
    Last Structure Change Process Date: December 17, 2008
    Last Data Update: December 17, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 South St Mary Street, Falfurrias, TX 78355
    County: Brooks
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $79.3 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $71.3 mil
    Return on assets (ROA): 0.79% ($0.6 mil)
    Quarterly return on assets: 0.56% ($0.4 mil)
    Return on Equity (ROE): 6.99% ($0.6 mil)
    Quarterly return on equity: 5.08% ($0.4 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.79% ($626.8 mil)
    Quarterly Pretax return on assets: 0.56% ($444.3 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
  • 25Total employees (full-time equivalent)
  • $79,336Total assets
  • $21,398Cash and due from depository institutions
  • $19,984Interest-bearing balances
  • $41,548Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $15,663Net loans & leases
  • $161Loan loss allowance
  • $0Trading account assets
  • $170Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $79,336Life insurance assets
  • $557All other assets
  • $71,290Total liabilities and capital
  • $71,258Total liabilities
  • $55,096Total deposits
  • $71,258Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $32Subordinated debt
  • $8,046All other liabilities
  • $8,046Total equity capital
  • $8,046Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $800Surplus
  • $7,046Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $100Income earned, not collected on loans
  • $0Earning assets
  • $333Long-term assets (5+ years)
  • $77,195Average Assets, year-to-date
  • $1,341Average Assets, quarterly
  • $71,940Volatile liabilities
  • $73,317Insider loans
  • $21,506FHLB advances
  • $75,812Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,786Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,582Restructured Loans and leases
  • $337Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,950Total interest income
  • $212Total interest expense
  • $1,738Net interest income
  • $0Provision for loan and lease losses
  • $706Total noninterest income
  • $0Fiduciary activities
  • $652Service charges on deposit accounts
  • $0Trading account gains & fees
  • $54Additional noninterest income
  • $1,879Total noninterest expense
  • $1,007Salaries and employee benefits
  • $140Premises and equipment expense
  • $732Additional noninterest expense
  • $565Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $565Income before extraordinary items
  • $0Extraordinary gains - net
  • $565Net income attributable to bank
  • $0Net charge-offs
  • $565Cash dividends
  • $67Sale, conversion, retirement of capital stock, net
  • $505Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.80%Yield on earning assets
  • 0.30%Cost of funding earning assets
  • 2.49%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.79%Pretax return on assets
  • 6.99%Return on equity (ROE)
  • 0.74%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 8.43%Efficiency ratio
  • 76,882Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 89.38%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 161.00%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 21.98%Net loans and leases to core deposits
  • 22.43%Equity capital to assets
  • 10.14%Core capital (leverage) ratio
  • 10.27%Tier 1 risk-based capital ratio
  • 36.20%Total risk-based capital ratio
  • Memoranda
  • $37Average assets
  • $71,940Average earning assets
  • $8,079Average equity
  • $69,701Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08808The First National Bank In Falfurria200 South St Mary Street, Falfurrias, TX 78355January 01, 1934Full Service Brick and Mortar

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