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

The First National Bank of Bellville - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 39Total employees (full-time equivalent)
  • $430,818Total assets
  • $13,040Cash and due from depository institutions
  • $11,586Interest-bearing balances
  • $255,162Securities
  • $28Federal funds sold & reverse repurchase agreements
  • $124,514Net loans & leases
  • $1,973Loan loss allowance
  • $0Trading account assets
  • $5,796Bank premises and fixed assets
  • $0Other real estate owned
  • $20,462Goodwill and other intangibles
  • $430,818Life insurance assets
  • $11,816All other assets
  • $371,411Total liabilities and capital
  • $366,967Total liabilities
  • $355,374Total deposits
  • $366,967Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,444Subordinated debt
  • $59,407All other liabilities
  • $59,407Total equity capital
  • $59,407Total bank equity capital
  • $0Perpetual preferred stock
  • $488Common stock
  • $35,752Surplus
  • $23,167Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $133Income earned, not collected on loans
  • $0Earning assets
  • $2,847Long-term assets (5+ years)
  • $391,290Average Assets, year-to-date
  • $294,454Average Assets, quarterly
  • $388,872Volatile liabilities
  • $417,720Insider loans
  • $167,530FHLB advances
  • $385,647Loans and leases held for sale
  • $4,601Unused loan commitments
  • $2,781Tier 1 (core) risk-based capital
  • $33,143Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,820Total unused commitments
  • $13,370Restructured Loans and leases
  • $11,890Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,067Total interest income
  • $4,173Total interest expense
  • $12,894Net interest income
  • $180Provision for loan and lease losses
  • $2,514Total noninterest income
  • $0Fiduciary activities
  • $967Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,547Additional noninterest income
  • $6,956Total noninterest expense
  • $3,184Salaries and employee benefits
  • $685Premises and equipment expense
  • $3,087Additional noninterest expense
  • $8,272Pre-tax net operating income
  • $1,157Securities gains (losses)
  • $1,586Applicable income taxes
  • $7,843Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,843Net income attributable to bank
  • $0Net charge-offs
  • $7,843Cash dividends
  • $40Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.72%Noninterest income to earning assets
  • 1.99%Noninterest expense to earning assets
  • 1.77%Net operating income to assets
  • 2.02%Return on assets (ROA)
  • 2.42%Pretax return on assets
  • 14.86%Return on equity (ROE)
  • 12.02%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 450.00%Credit loss provision to net charge-offs
  • 211.30%Efficiency ratio
  • 43,283Assets per employee
  • 11.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.13%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 1483.46%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 33.93%Net loans and leases to core deposits
  • 41.34%Equity capital to assets
  • 13.79%Core capital (leverage) ratio
  • 8.59%Tier 1 risk-based capital ratio
  • 19.78%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $388,872Average earning assets
  • $52,763Average equity
  • $348,889Average loans

List of branches

  • 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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