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

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

  • General
  • FDIC Certificate #: 3122
    Status: Active
    Federal Reserve ID: 57255
    Bank Holding Company (Regulatory Top Holder): Byers Bancshares, Inc. (RSSDID: 1108668, Location: Byers, TX)
    Date Established: January 01, 1906
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 1996
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 505 Main Street, Byers, TX 76357
    County: Clay
    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
    Core Based Statistical Area (CBSA): Wichita Falls, TX (#48660)
    CBSA Metro Statistical Area: Wichita Falls, TX (#48660)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $102.8 mil
    Equity capital: $10.3 mil
    Deposits held in domestic offices: $92.5 mil
    Return on assets (ROA): 0.23% ($0.2 mil)
    Quarterly return on assets: 0.23% ($0.2 mil)
    Return on Equity (ROE): 2.15% ($0.2 mil)
    Quarterly return on equity: 2.22% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.29% ($298.2 mil)
    Quarterly Pretax return on assets: 0.29% ($298.2 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
  • 31Total employees (full-time equivalent)
  • $102,819Total assets
  • $26,175Cash and due from depository institutions
  • $22,363Interest-bearing balances
  • $18,363Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $53,264Net loans & leases
  • $750Loan loss allowance
  • $0Trading account assets
  • $1,650Bank premises and fixed assets
  • $312Other real estate owned
  • $0Goodwill and other intangibles
  • $102,819Life insurance assets
  • $1,055All other assets
  • $92,530Total liabilities and capital
  • $92,511Total liabilities
  • $55,884Total deposits
  • $92,511Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $19Subordinated debt
  • $10,289All other liabilities
  • $10,289Total equity capital
  • $10,289Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $250Surplus
  • $9,789Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $500Income earned, not collected on loans
  • $0Earning assets
  • $724Long-term assets (5+ years)
  • $95,990Average Assets, year-to-date
  • $2,120Average Assets, quarterly
  • $97,344Volatile liabilities
  • $100,767Insider loans
  • $60,871FHLB advances
  • $98,398Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,198Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,773Restructured Loans and leases
  • $389Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,776Total interest income
  • $289Total interest expense
  • $3,487Net interest income
  • $86Provision for loan and lease losses
  • $558Total noninterest income
  • $0Fiduciary activities
  • $438Service charges on deposit accounts
  • $0Trading account gains & fees
  • $120Additional noninterest income
  • $3,676Total noninterest expense
  • $2,101Salaries and employee benefits
  • $311Premises and equipment expense
  • $1,264Additional noninterest expense
  • $283Pre-tax net operating income
  • $0Securities gains (losses)
  • $63Applicable income taxes
  • $220Income before extraordinary items
  • $0Extraordinary gains - net
  • $220Net income attributable to bank
  • $0Net charge-offs
  • $220Cash dividends
  • $131Sale, conversion, retirement of capital stock, net
  • $5Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 0.32%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 4.08%Noninterest expense to earning assets
  • 0.23%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.29%Pretax return on assets
  • 2.15%Return on equity (ROE)
  • 2.10%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 65.65%Credit loss provision to net charge-offs
  • 2.82%Efficiency ratio
  • 90,878Assets per employee
  • 3.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.27%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 150.00%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 0.93%Net loans and leases to deposits
  • 57.58%Net loans and leases to core deposits
  • 58.63%Equity capital to assets
  • 10.01%Core capital (leverage) ratio
  • 10.36%Tier 1 risk-based capital ratio
  • 16.75%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $97,344Average earning assets
  • $10,230Average equity
  • $90,101Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01996The First National Bank Of Byers505 Main Street, Byers, TX 76357January 01, 1906Full Service Brick and Mortar
    1196090The Cattlemans Branch900 Midwestern Parkway, Wichita Falls, TX 76302January 14, 1994Full Service Brick and Mortar
    2477915First National Bank Of Byers Henriet202 West Wichita, Henrietta, TX 76365May 05, 2008Full Service Brick and Mortar

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