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



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The First National Bank of Beeville routing number info

Table of contents:
The First National Bank of Beeville
GeneralFDIC 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
WWW: http://www.fnbsotx.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: 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)52
Total assets$278,259
Cash and due from depository institutions$137,147
Interest-bearing balances$130,792
Securities$10,176
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$123,116
Loan loss allowance $1,685
Trading account assets$0
Bank premises and fixed assets$4,223
Other real estate owned$1,359
Goodwill and other intangibles$0
All other assets$2,238
Life insurance assets$278,259
Total liabilities and capital$257,164
Total liabilities$256,788
Total deposits$205,302
Interest-bearing deposits$256,788
Deposits held in domestic offices$82
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $376
All other liabilities $21,095
Total equity capital$21,095
Total bank equity capital$21,095
Perpetual preferred stock$0
Common stock$600
Surplus$5,835
Undivided profits $14,660
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,173
Earning assets $0
Long-term assets (5+ years) $688
Average Assets, year-to-date $264,084
Average Assets, quarterly $16,797
Volatile liabilities $254,306
Insider loans $269,460
FHLB advances $126,759
Loans and leases held for sale $263,095
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $20,983
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $30,580
Derivatives$1,279
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,105
Total interest expense $1,206
Net interest income $7,899
Provision for loan and lease losses $314
Total noninterest income $1,740
Fiduciary activities $0
Service charges on deposit accounts $831
Trading account gains & fees $0
Additional noninterest income $909
Total noninterest expense $5,608
Salaries and employee benefits $2,980
Premises and equipment expense $681
Additional noninterest expense $1,947
Pre-tax net operating income $3,717
Securities gains (losses) $0
Applicable income taxes $1,295
Income before extraordinary items $2,422
Extraordinary gains - net $0
Net income attributable to bank $2,422
Net charge-offs $0
Cash dividends $2,422
Sale, conversion, retirement of capital stock, net $246
Net operating income $514
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.78%
Cost of funding earning assets 0.50%
Net interest margin 3.28%
Noninterest income to earning assets 0.72%
Noninterest expense to earning assets 2.33%
Net operating income to assets 0.95%
Return on assets (ROA) 0.95%
Pretax return on assets 1.46%
Return on equity (ROE) 12.03%
Retained earnings to average equity (YTD only) 9.47%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 127.64%
Efficiency ratio16.39%
Assets per employee$58,180
Cash dividends to net income (YTD only)5.35%
Condition Ratios (%)
Loss allowance to loans 21.22%
Loss allowance to noncurrent loans 1.35%
Noncurrent assets plus other real estate owned to assets 77.54%
Noncurrent loans to loans 1.27%
Net loans and leases to deposits1.74%
Net loans and leases to core deposits 47.94%
Equity capital to assets 49.07%
Core capital (leverage) ratio 7.58%
Tier 1 risk-based capital ratio 7.98%
Total risk-based capital ratio 16.55%
Memoranda
Average assets$18
Average earning assets$254,306
Average equity $20,138
Average loans $240,674
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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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