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

The First National Bank of Ballinger - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 39Total employees (full-time equivalent)
  • $128,697Total assets
  • $21,271Cash and due from depository institutions
  • $15,387Interest-bearing balances
  • $28,423Securities
  • $11,950Federal funds sold & reverse repurchase agreements
  • $59,122Net loans & leases
  • $1,256Loan loss allowance
  • $0Trading account assets
  • $3,233Bank premises and fixed assets
  • $146Other real estate owned
  • $1,088Goodwill and other intangibles
  • $128,698Life insurance assets
  • $3,464All other assets
  • $117,032Total liabilities and capital
  • $116,873Total liabilities
  • $89,584Total deposits
  • $116,873Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $159Subordinated debt
  • $11,666All other liabilities
  • $11,666Total equity capital
  • $11,666Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $8,371Surplus
  • $3,195Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $301Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $189Income earned, not collected on loans
  • $0Earning assets
  • $555Long-term assets (5+ years)
  • $114,882Average Assets, year-to-date
  • $27,508Average Assets, quarterly
  • $123,219Volatile liabilities
  • $125,684Insider loans
  • $71,386FHLB advances
  • $123,905Loans and leases held for sale
  • $1,423Unused loan commitments
  • $1,423Tier 1 (core) risk-based capital
  • $10,371Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,791Restructured Loans and leases
  • $163Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,809Total interest income
  • $544Total interest expense
  • $4,265Net interest income
  • $57Provision for loan and lease losses
  • $936Total noninterest income
  • $0Fiduciary activities
  • $264Service charges on deposit accounts
  • $0Trading account gains & fees
  • $672Additional noninterest income
  • $3,775Total noninterest expense
  • $2,187Salaries and employee benefits
  • $655Premises and equipment expense
  • $933Additional noninterest expense
  • $1,369Pre-tax net operating income
  • -$1Securities gains (losses)
  • $0Applicable income taxes
  • $1,368Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,368Net income attributable to bank
  • $0Net charge-offs
  • $1,368Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $1,166Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 1.11%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 12.03%Return on equity (ROE)
  • 1.78%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 950.00%Credit loss provision to net charge-offs
  • 237.67%Efficiency ratio
  • 72,582Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.23%Loss allowance to loans
  • 2.08%Loss allowance to noncurrent loans
  • 664.55%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.31%Net loans and leases to deposits
  • 50.59%Net loans and leases to core deposits
  • 56.63%Equity capital to assets
  • 9.06%Core capital (leverage) ratio
  • 8.37%Tier 1 risk-based capital ratio
  • 14.53%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $123,219Average earning assets
  • $11,368Average equity
  • $107,994Average loans

List of branches

  • 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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