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

The First National Bank of Beeville - Overview

  • General
  • FDIC Certificate #: 3095
    Status: Active
    Federal Reserve ID: 28255
    Bank Holding Company (Regulatory Top Holder): First Beeville Financial Corporation (RSSDID: 1130771, Location: Beeville, TX)
    Date Established: March 01, 1890
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 1974
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    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: 1400 East Houston Street, Beeville, TX 78102
    County: Bee
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Beeville, TX (#13300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $278.3 mil
    Equity capital: $21.1 mil
    Deposits held in domestic offices: $256.8 mil
    Return on assets (ROA): 0.95% ($2.6 mil)
    Quarterly return on assets: 1.10% ($3.1 mil)
    Return on Equity (ROE): 12.03% ($2.5 mil)
    Quarterly return on equity: 14.24% ($3.0 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.46% ($4,062.6 mil)
    Quarterly Pretax return on assets: 1.68% ($4,674.8 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
  • 52Total employees (full-time equivalent)
  • $278,259Total assets
  • $137,147Cash and due from depository institutions
  • $130,792Interest-bearing balances
  • $10,176Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $123,116Net loans & leases
  • $1,685Loan loss allowance
  • $0Trading account assets
  • $4,223Bank premises and fixed assets
  • $1,359Other real estate owned
  • $0Goodwill and other intangibles
  • $278,259Life insurance assets
  • $2,238All other assets
  • $257,164Total liabilities and capital
  • $256,788Total liabilities
  • $205,302Total deposits
  • $256,788Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $376Subordinated debt
  • $21,095All other liabilities
  • $21,095Total equity capital
  • $21,095Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $5,835Surplus
  • $14,660Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,173Income earned, not collected on loans
  • $0Earning assets
  • $688Long-term assets (5+ years)
  • $264,084Average Assets, year-to-date
  • $16,797Average Assets, quarterly
  • $254,306Volatile liabilities
  • $269,460Insider loans
  • $126,759FHLB advances
  • $263,095Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,983Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $30,580Restructured Loans and leases
  • $1,279Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,105Total interest income
  • $1,206Total interest expense
  • $7,899Net interest income
  • $314Provision for loan and lease losses
  • $1,740Total noninterest income
  • $0Fiduciary activities
  • $831Service charges on deposit accounts
  • $0Trading account gains & fees
  • $909Additional noninterest income
  • $5,608Total noninterest expense
  • $2,980Salaries and employee benefits
  • $681Premises and equipment expense
  • $1,947Additional noninterest expense
  • $3,717Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,295Applicable income taxes
  • $2,422Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,422Net income attributable to bank
  • $0Net charge-offs
  • $2,422Cash dividends
  • $246Sale, conversion, retirement of capital stock, net
  • $514Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.78%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.72%Noninterest income to earning assets
  • 2.33%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 12.03%Return on equity (ROE)
  • 9.47%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 127.64%Credit loss provision to net charge-offs
  • 16.39%Efficiency ratio
  • 58,180Assets per employee
  • 5.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.22%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 77.54%Noncurrent assets plus other real estate owned to assets
  • 1.27%Noncurrent loans to loans
  • 1.74%Net loans and leases to deposits
  • 47.94%Net loans and leases to core deposits
  • 49.07%Equity capital to assets
  • 7.58%Core capital (leverage) ratio
  • 7.98%Tier 1 risk-based capital ratio
  • 16.55%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $254,306Average earning assets
  • $20,138Average equity
  • $240,674Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01974The First National Bank Of Beeville1400 East Houston Street, Beeville, TX 78102March 01, 1890Full Service Brick and Mortar
    113174Yorktown Branch142 North Riedel Street, Yorktown, TX 78164Febuary 01, 1965Full Service Brick and Mortar
    2469350South State Highway 46 Branch125 South State Highway 46, Seguin, TX 78155September 24, 2007Full Service Brick and Mortar

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