The First National Bank of Bells/Savoy in Bells, Texas (TX)

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The First National Bank of Bells/Savoy routing number info

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The First National Bank of Bells/Savoy
GeneralFDIC Certificate #: 3098
Status: Active
Federal Reserve ID: 89957
Bank Holding Company (Regulatory Top Holder): First Bells Bankshares, Inc. (RSSDID: 1104567, Location: Bells, TX)
Date Established: January 01, 1904
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 #: 1976
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: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 615 E. Bells Blvd, Bells, TX 75414
County: Grayson
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): Sherman-Denison, TX (#7640)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Sherman-Denison, TX (#43300)
CBSA Metro Statistical Area: Sherman-Denison, TX (#43300)
History of ChangesChange in Location
Financial SummaryTotal assets: $44.8 mil
Equity capital: $6.8 mil
Deposits held in domestic offices: $37.8 mil
Return on assets (ROA): 0.24% ($0.1 mil)
Quarterly return on assets: 0.87% ($0.4 mil)
Return on Equity (ROE): 1.62% ($0.1 mil)
Quarterly return on equity: 5.69% ($0.4 mil)
Net income: $0.1 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.10% ($44.8 mil)
Quarterly Pretax return on assets: 0.30% ($134.5 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)14
Total assets$44,820
Cash and due from depository institutions$2,374
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$4,575
Net loans & leases$17,376
Loan loss allowance $259
Trading account assets$0
Bank premises and fixed assets$1,386
Other real estate owned$344
Goodwill and other intangibles$0
All other assets$452
Life insurance assets$44,820
Total liabilities and capital$38,046
Total liabilities$37,820
Total deposits$30,355
Interest-bearing deposits$37,820
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $226
All other liabilities $6,774
Total equity capital$6,774
Total bank equity capital$6,774
Perpetual preferred stock$0
Common stock$100
Undivided profits $4,665
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 $349
Earning assets $0
Long-term assets (5+ years) $200
Average Assets, year-to-date $40,264
Average Assets, quarterly $21,579
Volatile liabilities $45,122
Insider loans $45,146
FHLB advances $21,386
Loans and leases held for sale $44,906
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $6,324
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,262
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,764
Total interest expense $414
Net interest income $1,350
Provision for loan and lease losses $2
Total noninterest income $210
Fiduciary activities $0
Service charges on deposit accounts $115
Trading account gains & fees $0
Additional noninterest income $95
Total noninterest expense $1,640
Salaries and employee benefits $709
Premises and equipment expense $291
Additional noninterest expense $640
Pre-tax net operating income -$82
Securities gains (losses) $128
Applicable income taxes -$64
Income before extraordinary items $110
Extraordinary gains - net $0
Net income attributable to bank $110
Net charge-offs $0
Cash dividends $110
Sale, conversion, retirement of capital stock, net $29
Net operating income $270
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.34%
Cost of funding earning assets 1.02%
Net interest margin 3.32%
Noninterest income to earning assets 0.52%
Noninterest expense to earning assets 4.04%
Net operating income to assets -0.04%
Return on assets (ROA) 0.24%
Pretax return on assets 0.10%
Return on equity (ROE) 1.62%
Retained earnings to average equity (YTD only) -2.36%
Net charge-offs to loans 0.16%
Credit loss provision to net charge-offs 6.90%
Efficiency ratio-2.76%
Assets per employee$105,128
Cash dividends to net income (YTD only)3.20%
Condition Ratios (%)
Loss allowance to loans 245.45%
Loss allowance to noncurrent loans 1.47%
Noncurrent assets plus other real estate owned to assets 74.21%
Noncurrent loans to loans 1.55%
Net loans and leases to deposits1.98%
Net loans and leases to core deposits 45.94%
Equity capital to assets 47.27%
Core capital (leverage) ratio 15.11%
Tier 1 risk-based capital ratio 14.08%
Total risk-based capital ratio 29.57%
Average assets$31
Average earning assets$45,122
Average equity $6,794
Average loans $40,636
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2 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01976The First National Bank Of Bells/Sav615 E. Bells Blvd, Bells, TX 75414January 01, 1904Full Service Brick and Mortar
1506525North Branch1105 North Ole Ambrose Road, Bells, TX 75414March 08, 2010Limited Service Facility
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