The First National Bank of Ballinger in Ballinger, Texas (TX)



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The First National Bank of Ballinger routing number info

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The First National Bank of Ballinger
GeneralFDIC Certificate #: 3087
Status: Active
Federal Reserve ID: 160454
Bank Holding Company (Regulatory Top Holder): Texas Country Bancshares, Inc. (RSSDID: 1106990, Location: Brady, TX)
Date Established: June 29, 1886
WWW: http://www.fnbballinger.com
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: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 1967
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: All Other Specialization < 1 Billion
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: 911 Hutchings Avenue, Ballinger, TX 76821
County: Runnels
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $128.7 mil
Equity capital: $11.7 mil
Deposits held in domestic offices: $116.9 mil
Return on assets (ROA): 1.11% ($1.4 mil)
Quarterly return on assets: 1.30% ($1.7 mil)
Return on Equity (ROE): 12.03% ($1.4 mil)
Quarterly return on equity: 13.98% ($1.7 mil)
Net income: $1.4 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.11% ($1,428.5 mil)
Quarterly Pretax return on assets: 1.30% ($1,673.1 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)39
Total assets$128,697
Cash and due from depository institutions$21,271
Interest-bearing balances$15,387
Securities$28,423
Federal funds sold & reverse repurchase agreements$11,950
Net loans & leases$59,122
Loan loss allowance $1,256
Trading account assets$0
Bank premises and fixed assets$3,233
Other real estate owned$146
Goodwill and other intangibles$1,088
All other assets$3,464
Life insurance assets$128,698
Total liabilities and capital$117,032
Total liabilities$116,873
Total deposits$89,584
Interest-bearing deposits$116,873
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $159
All other liabilities $11,666
Total equity capital$11,666
Total bank equity capital$11,666
Perpetual preferred stock$0
Common stock$100
Surplus$8,371
Undivided profits $3,195
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $301
Income earned, not collected on loans $189
Earning assets $0
Long-term assets (5+ years) $555
Average Assets, year-to-date $114,882
Average Assets, quarterly $27,508
Volatile liabilities $123,219
Insider loans $125,684
FHLB advances $71,386
Loans and leases held for sale $123,905
Unused loan commitments $1,423
Tier 1 (core) risk-based capital $1,423
Tier 2 risk-based capital $10,371
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,791
Derivatives$163
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,809
Total interest expense $544
Net interest income $4,265
Provision for loan and lease losses $57
Total noninterest income $936
Fiduciary activities $0
Service charges on deposit accounts $264
Trading account gains & fees $0
Additional noninterest income $672
Total noninterest expense $3,775
Salaries and employee benefits $2,187
Premises and equipment expense $655
Additional noninterest expense $933
Pre-tax net operating income $1,369
Securities gains (losses) -$1
Applicable income taxes $0
Income before extraordinary items $1,368
Extraordinary gains - net $0
Net income attributable to bank $1,368
Net charge-offs $0
Cash dividends $1,368
Sale, conversion, retirement of capital stock, net $6
Net operating income $1,166
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.45%
Cost of funding earning assets 0.50%
Net interest margin 3.95%
Noninterest income to earning assets 0.87%
Noninterest expense to earning assets 3.50%
Net operating income to assets 1.11%
Return on assets (ROA) 1.11%
Pretax return on assets 1.11%
Return on equity (ROE) 12.03%
Retained earnings to average equity (YTD only) 1.78%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 950.00%
Efficiency ratio237.67%
Assets per employee$72,582
Cash dividends to net income (YTD only)3.30%
Condition Ratios (%)
Loss allowance to loans 85.23%
Loss allowance to noncurrent loans 2.08%
Noncurrent assets plus other real estate owned to assets 664.55%
Noncurrent loans to loans 0.26%
Net loans and leases to deposits0.31%
Net loans and leases to core deposits 50.59%
Equity capital to assets 56.63%
Core capital (leverage) ratio 9.06%
Tier 1 risk-based capital ratio 8.37%
Total risk-based capital ratio 14.53%
Memoranda
Average assets$16
Average earning assets$123,219
Average equity $11,368
Average loans $107,994
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2 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01967The First National Bank Of Ballinger911 Hutchings Avenue, Ballinger, TX 76821June 29, 1886Full Service Brick and Mortar
1442329Bank Of San Angelo Branch2635 Valleyview Blvd., San Angelo, TX 76904June 01, 2004Full Service Brick and Mortar
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