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



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The First National Bank of Bryan
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)147
Total assets$530,185
Cash and due from depository institutions$15,590
Interest-bearing balances$217
Securities$136,720
Federal funds sold & reverse repurchase agreements$4,200
Net loans & leases$342,898
Loan loss allowance $4,633
Trading account assets$0
Bank premises and fixed assets$9,178
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$21,599
Life insurance assets$12,119
Total liabilities and capital$530,185
Total liabilities$478,805
Total deposits$465,872
Interest-bearing deposits$330,597
Deposits held in domestic offices$465,872
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $9,318
Subordinated debt $0
All other liabilities $3,615
Total equity capital$51,380
Total bank equity capital$51,380
Perpetual preferred stock$51,380
Common stock$0
Surplus$487
Undivided profits $751
Memoranda
Noncurrent loans and leases $50,142
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $35,400
Income earned, not collected on loans $0
Earning assets $375
Long-term assets (5+ years) $0
Average Assets, year-to-date $4,661
Average Assets, quarterly $484,035
Volatile liabilities $189,760
Insider loans $499,404
FHLB advances $523,757
Loans and leases held for sale $61,522
Unused loan commitments $8,293
Tier 1 (core) risk-based capital $9,000
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $35,400
Restructured Loans and leases $0
Derivatives$3,917
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Income and Expense (December 31, 2006)
(Dollar figures in thousands)
Total interest income $30,212
Total interest expense $11,361
Net interest income $18,851
Provision for loan and lease losses $360
Total noninterest income $7,351
Fiduciary activities $831
Service charges on deposit accounts $3,415
Trading account gains & fees $0
Additional noninterest income $3,105
Total noninterest expense $15,422
Salaries and employee benefits $8,100
Premises and equipment expense $1,624
Additional noninterest expense $5,698
Pre-tax net operating income $10,420
Securities gains (losses) $0
Applicable income taxes $2,501
Income before extraordinary items $7,919
Extraordinary gains - net $0
Net income attributable to bank $7,919
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $73
Net operating income $1,071
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Performance and Condition Ratios (December 31, 2006)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.62%
Cost of funding earning assets 2.49%
Net interest margin 4.13%
Noninterest income to earning assets 1.61%
Noninterest expense to earning assets 3.38%
Net operating income to assets 1.59%
Return on assets (ROA) 1.59%
Pretax return on assets 2.09%
Return on equity (ROE) 16.58%
Retained earnings to average equity (YTD only) 14.34%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 493.15%
Efficiency ratio147.67%
Assets per employee$58,858
Cash dividends to net income (YTD only)3.61%
Condition Ratios (%)
Loss allowance to loans 13.52%
Loss allowance to noncurrent loans 1.33%
Noncurrent assets plus other real estate owned to assets 1235.47%
Noncurrent loans to loans 0.07%
Net loans and leases to deposits0.11%
Net loans and leases to core deposits 73.60%
Equity capital to assets 84.80%
Core capital (leverage) ratio 9.69%
Tier 1 risk-based capital ratio 9.54%
Total risk-based capital ratio 16.55%
Memoranda
Average assets$18
Average earning assets$499,404
Average equity $47,758
Average loans $456,353
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Total Fiduciary and Related Assets (December 31, 2006)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$184,742
Number of Accounts1
Personal trust and agency accounts$115,355
Employee benefit-defined contribution accounts$45,550
Employee benefit-defined benefit accounts$58,440
Other retirement accounts$5,103
Corporate trust and agency accounts$494
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$5,768
Number of Accounts394
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$69,387
Corporate trust and agency accounts$32,483
Other fiduciary accounts$9,759
Fiduciary accounts held in foreign offices$17,747
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