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

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The First National Bank of Byers routing number info

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The First National Bank of Byers
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)31
Total assets$102,819
Cash and due from depository institutions$26,175
Interest-bearing balances$22,363
Federal funds sold & reverse repurchase agreements$2,000
Net loans & leases$53,264
Loan loss allowance $750
Trading account assets$0
Bank premises and fixed assets$1,650
Other real estate owned$312
Goodwill and other intangibles$0
All other assets$1,055
Life insurance assets$102,819
Total liabilities and capital$92,530
Total liabilities$92,511
Total deposits$55,884
Interest-bearing deposits$92,511
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $19
All other liabilities $10,289
Total equity capital$10,289
Total bank equity capital$10,289
Perpetual preferred stock$0
Common stock$250
Undivided profits $9,789
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 $500
Earning assets $0
Long-term assets (5+ years) $724
Average Assets, year-to-date $95,990
Average Assets, quarterly $2,120
Volatile liabilities $97,344
Insider loans $100,767
FHLB advances $60,871
Loans and leases held for sale $98,398
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,198
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,773
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,776
Total interest expense $289
Net interest income $3,487
Provision for loan and lease losses $86
Total noninterest income $558
Fiduciary activities $0
Service charges on deposit accounts $438
Trading account gains & fees $0
Additional noninterest income $120
Total noninterest expense $3,676
Salaries and employee benefits $2,101
Premises and equipment expense $311
Additional noninterest expense $1,264
Pre-tax net operating income $283
Securities gains (losses) $0
Applicable income taxes $63
Income before extraordinary items $220
Extraordinary gains - net $0
Net income attributable to bank $220
Net charge-offs $0
Cash dividends $220
Sale, conversion, retirement of capital stock, net $131
Net operating income $5
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.19%
Cost of funding earning assets 0.32%
Net interest margin 3.87%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 4.08%
Net operating income to assets 0.23%
Return on assets (ROA) 0.23%
Pretax return on assets 0.29%
Return on equity (ROE) 2.15%
Retained earnings to average equity (YTD only) 2.10%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 65.65%
Efficiency ratio2.82%
Assets per employee$90,878
Cash dividends to net income (YTD only)3.32%
Condition Ratios (%)
Loss allowance to loans 2.27%
Loss allowance to noncurrent loans 1.39%
Noncurrent assets plus other real estate owned to assets 150.00%
Noncurrent loans to loans 0.79%
Net loans and leases to deposits0.93%
Net loans and leases to core deposits 57.58%
Equity capital to assets 58.63%
Core capital (leverage) ratio 10.01%
Tier 1 risk-based capital ratio 10.36%
Total risk-based capital ratio 16.75%
Average assets$18
Average earning assets$97,344
Average equity $10,230
Average loans $90,101
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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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