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

This bank is inactive as of May 09, 2005

  • The First National Bank of Athens in Athens, Texas (TX)
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The First National Bank of Athens - Overview

  • General
  • FDIC Certificate #: 3080
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Franklin Bank, S.S.B. (#26870)
    Federal Reserve ID: 263953
    Date Established: April 17, 1890
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 11455
    FDIC's unique #: 1961
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 09, 2005
    Last Structure Change Process Date: May 20, 2005
    Last Data Update: May 20, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 125 North Prairieville, Athens, TX 75751
    County: Henderson
    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): Athens, TX (#11980)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $212.7 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, 2004)

  • Dollar figures in thousands
  • 76Total employees (full-time equivalent)
  • $217,720Total assets
  • $8,360Cash and due from depository institutions
  • $0Interest-bearing balances
  • $68,931Securities
  • $34,730Federal funds sold & reverse repurchase agreements
  • $95,950Net loans & leases
  • $1,137Loan loss allowance
  • $0Trading account assets
  • $6,207Bank premises and fixed assets
  • $14Other real estate owned
  • $1,237Goodwill and other intangibles
  • $0Life insurance assets
  • $2,291All other assets
  • $217,720Total liabilities and capital
  • $190,790Total liabilities
  • $189,712Total deposits
  • $152,279Interest-bearing deposits
  • $189,712Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,078All other liabilities
  • $26,930Total equity capital
  • $26,930Total bank equity capital
  • $26,930Perpetual preferred stock
  • $0Common stock
  • $1,625Surplus
  • $1,625Undivided profits
  • Memoranda
  • $23,680Noncurrent loans and leases
  • $13,619Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $389Earning assets
  • $0Long-term assets (5+ years)
  • $996Average Assets, year-to-date
  • $199,611Average Assets, quarterly
  • $36,283Volatile liabilities
  • $218,093Insider loans
  • $216,710FHLB advances
  • $19,156Loans and leases held for sale
  • $1,105Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $376Tier 2 risk-based capital
  • $80Total risk weighted assets
  • $13,619Total unused commitments
  • $0Restructured Loans and leases
  • $1,137Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $8,143Total interest income
  • $1,790Total interest expense
  • $6,353Net interest income
  • $180Provision for loan and lease losses
  • $2,183Total noninterest income
  • $0Fiduciary activities
  • $1,260Service charges on deposit accounts
  • $0Trading account gains & fees
  • $923Additional noninterest income
  • $7,495Total noninterest expense
  • $4,245Salaries and employee benefits
  • $1,031Premises and equipment expense
  • $2,219Additional noninterest expense
  • $861Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $861Income before extraordinary items
  • $0Extraordinary gains - net
  • $861Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $208Sale, conversion, retirement of capital stock, net
  • $699Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 3.17%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 3.74%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.39%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 3.15%Return on equity (ROE)
  • 0.59%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 86.54%Credit loss provision to net charge-offs
  • 5.00%Efficiency ratio
  • 87,605Assets per employee
  • 2.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 81.18%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 292.29%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 50.58%Net loans and leases to core deposits
  • 56.26%Equity capital to assets
  • 12.37%Core capital (leverage) ratio
  • 12.28%Tier 1 risk-based capital ratio
  • 21.95%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $218,093Average earning assets
  • $27,309Average equity
  • $200,590Average loans

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