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

This bank is inactive as of May 08, 2007

  • The First National Bank of Bryan in Bryan, Texas (TX)
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The First National Bank of Bryan - Overview

  • General
  • FDIC Certificate #: 3119
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Franklin Bank, S.S.B. (#26870)
    Federal Reserve ID: 113151
    Date Established: January 01, 1862
    WWW: http://www.fnb-bcs.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    OTS Docket #: 12323
    FDIC's unique #: 1993
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 08, 2007
    Last Structure Change Process Date: May 21, 2007
    Last Data Update: May 21, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2807 Texas Avenue, Bryan, TX 77801
    County: Brazos
    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
    Metropolitan Statistical Area (MSA): Bryan-College Station, TX (#1260)
    Core Based Statistical Area (CBSA): College Station-Bryan, TX (#17780)
    CBSA Metro Statistical Area: College Station-Bryan, TX (#17780)
  • Financial Summary
  • Total assets: $540.4 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, 2006)

  • Dollar figures in thousands
  • 147Total employees (full-time equivalent)
  • $530,185Total assets
  • $15,590Cash and due from depository institutions
  • $217Interest-bearing balances
  • $136,720Securities
  • $4,200Federal funds sold & reverse repurchase agreements
  • $342,898Net loans & leases
  • $4,633Loan loss allowance
  • $0Trading account assets
  • $9,178Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $12,119Life insurance assets
  • $21,599All other assets
  • $530,185Total liabilities and capital
  • $478,805Total liabilities
  • $465,872Total deposits
  • $330,597Interest-bearing deposits
  • $465,872Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,318Other borrowed funds
  • $0Subordinated debt
  • $3,615All other liabilities
  • $51,380Total equity capital
  • $51,380Total bank equity capital
  • $51,380Perpetual preferred stock
  • $0Common stock
  • $487Surplus
  • $751Undivided profits
  • Memoranda
  • $50,142Noncurrent loans and leases
  • $35,400Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $375Earning assets
  • $0Long-term assets (5+ years)
  • $4,661Average Assets, year-to-date
  • $484,035Average Assets, quarterly
  • $189,760Volatile liabilities
  • $499,404Insider loans
  • $523,757FHLB advances
  • $61,522Loans and leases held for sale
  • $8,293Unused loan commitments
  • $9,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $35,400Total unused commitments
  • $0Restructured Loans and leases
  • $3,917Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $30,212Total interest income
  • $11,361Total interest expense
  • $18,851Net interest income
  • $360Provision for loan and lease losses
  • $7,351Total noninterest income
  • $831Fiduciary activities
  • $3,415Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,105Additional noninterest income
  • $15,422Total noninterest expense
  • $8,100Salaries and employee benefits
  • $1,624Premises and equipment expense
  • $5,698Additional noninterest expense
  • $10,420Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,501Applicable income taxes
  • $7,919Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,919Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $73Sale, conversion, retirement of capital stock, net
  • $1,071Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.62%Yield on earning assets
  • 2.49%Cost of funding earning assets
  • 4.13%Net interest margin
  • 1.61%Noninterest income to earning assets
  • 3.38%Noninterest expense to earning assets
  • 1.59%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 2.09%Pretax return on assets
  • 16.58%Return on equity (ROE)
  • 14.34%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 493.15%Credit loss provision to net charge-offs
  • 147.67%Efficiency ratio
  • 58,858Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.52%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 1235.47%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 73.60%Net loans and leases to core deposits
  • 84.80%Equity capital to assets
  • 9.69%Core capital (leverage) ratio
  • 9.54%Tier 1 risk-based capital ratio
  • 16.55%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $499,404Average earning assets
  • $47,758Average equity
  • $456,353Average loans

Total Fiduciary and Related Assets (December 31, 2006)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $184,742Managed Assets
  • 1Number of Accounts
  • $115,355Personal trust and agency accounts
  • $45,550Employee benefit-defined contribution accounts
  • $58,440Employee benefit-defined benefit accounts
  • $5,103Other retirement accounts
  • $494Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $5,768Non-managed Assets
  • 394Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $69,387Other retirement accounts
  • $32,483Corporate trust and agency accounts
  • $9,759Other fiduciary accounts
  • $17,747Fiduciary accounts held in foreign offices

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