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

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The First National Bank of Bellville routing number info

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The First National Bank of Bellville
GeneralFDIC Certificate #: 3099
Status: Active
Federal Reserve ID: 91754
Bank Holding Company (Regulatory Top Holder): Industry Bancshares, Inc. (RSSDID: 2112439, Location: Industry, TX)
Date Established: July 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: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 1977
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: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 100 East Main Street, Bellville, TX 77418
County: Austin
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Houston
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $430.8 mil
Equity capital: $59.4 mil
Deposits held in domestic offices: $367.0 mil
Return on assets (ROA): 2.02% ($8.7 mil)
Quarterly return on assets: 1.90% ($8.2 mil)
Return on Equity (ROE): 14.86% ($8.8 mil)
Quarterly return on equity: 13.40% ($7.9 mil)
Net income: $7.8 mil
Quarterly Net income: $2.0 mil
Pretax return on assets: 2.42% ($10,425.8 mil)
Quarterly Pretax return on assets: 2.24% ($9,650.3 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$430,818
Cash and due from depository institutions$13,040
Interest-bearing balances$11,586
Federal funds sold & reverse repurchase agreements$28
Net loans & leases$124,514
Loan loss allowance $1,973
Trading account assets$0
Bank premises and fixed assets$5,796
Other real estate owned$0
Goodwill and other intangibles$20,462
All other assets$11,816
Life insurance assets$430,818
Total liabilities and capital$371,411
Total liabilities$366,967
Total deposits$355,374
Interest-bearing deposits$366,967
Deposits held in domestic offices$78
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $4,444
All other liabilities $59,407
Total equity capital$59,407
Total bank equity capital$59,407
Perpetual preferred stock$0
Common stock$488
Undivided profits $23,167
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 $133
Earning assets $0
Long-term assets (5+ years) $2,847
Average Assets, year-to-date $391,290
Average Assets, quarterly $294,454
Volatile liabilities $388,872
Insider loans $417,720
FHLB advances $167,530
Loans and leases held for sale $385,647
Unused loan commitments $4,601
Tier 1 (core) risk-based capital $2,781
Tier 2 risk-based capital $33,143
Total risk weighted assets $0
Total unused commitments $1,820
Restructured Loans and leases $13,370
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $17,067
Total interest expense $4,173
Net interest income $12,894
Provision for loan and lease losses $180
Total noninterest income $2,514
Fiduciary activities $0
Service charges on deposit accounts $967
Trading account gains & fees $0
Additional noninterest income $1,547
Total noninterest expense $6,956
Salaries and employee benefits $3,184
Premises and equipment expense $685
Additional noninterest expense $3,087
Pre-tax net operating income $8,272
Securities gains (losses) $1,157
Applicable income taxes $1,586
Income before extraordinary items $7,843
Extraordinary gains - net $0
Net income attributable to bank $7,843
Net charge-offs $0
Cash dividends $7,843
Sale, conversion, retirement of capital stock, net $40
Net operating income $1,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.89%
Cost of funding earning assets 1.20%
Net interest margin 3.70%
Noninterest income to earning assets 0.72%
Noninterest expense to earning assets 1.99%
Net operating income to assets 1.77%
Return on assets (ROA) 2.02%
Pretax return on assets 2.42%
Return on equity (ROE) 14.86%
Retained earnings to average equity (YTD only) 12.02%
Net charge-offs to loans 0.03%
Credit loss provision to net charge-offs 450.00%
Efficiency ratio211.30%
Assets per employee$43,283
Cash dividends to net income (YTD only)11.05%
Condition Ratios (%)
Loss allowance to loans 19.13%
Loss allowance to noncurrent loans 1.56%
Noncurrent assets plus other real estate owned to assets 1483.46%
Noncurrent loans to loans 0.03%
Net loans and leases to deposits0.11%
Net loans and leases to core deposits 33.93%
Equity capital to assets 41.34%
Core capital (leverage) ratio 13.79%
Tier 1 risk-based capital ratio 8.59%
Total risk-based capital ratio 19.78%
Average assets$21
Average earning assets$388,872
Average equity $52,763
Average loans $348,889
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2 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01977The First National Bank Of Bellville100 East Main Street, Bellville, TX 77418July 01, 1890Full Service Brick and Mortar
1476018Waller Branch31384 Fm 2920 Ste A, Waller, TX 77484March 14, 2008Full Service Brick and Mortar
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