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

The First National Bank of Chillicothe - Overview

  • General
  • FDIC Certificate #: 3136
    Status: Active
    Federal Reserve ID: 880556
    Bank Holding Company (Regulatory Top Holder): Northern Bancshares, Inc. (RSSDID: 1105395, Location: Chillicothe, TX)
    Date Established: March 26, 1924
    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)
    OTS Docket #: 11549
    FDIC's unique #: 2007
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 Avenue H, Chillicothe, TX 79225
    County: Hardeman
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $46.7 mil
    Equity capital: $5.6 mil
    Deposits held in domestic offices: $41.1 mil
    Return on assets (ROA): 1.20% ($0.6 mil)
    Quarterly return on assets: 1.43% ($0.7 mil)
    Return on Equity (ROE): 10.42% ($0.6 mil)
    Quarterly return on equity: 11.96% ($0.7 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.20% ($560.3 mil)
    Quarterly Pretax return on assets: 1.43% ($667.7 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
  • 13Total employees (full-time equivalent)
  • $46,690Total assets
  • $3,972Cash and due from depository institutions
  • $2,768Interest-bearing balances
  • $15,903Securities
  • $3,784Federal funds sold & reverse repurchase agreements
  • $20,858Net loans & leases
  • $244Loan loss allowance
  • $0Trading account assets
  • $475Bank premises and fixed assets
  • $24Other real estate owned
  • $0Goodwill and other intangibles
  • $46,690Life insurance assets
  • $1,674All other assets
  • $41,121Total liabilities and capital
  • $41,074Total liabilities
  • $36,008Total deposits
  • $41,074Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $47Subordinated debt
  • $5,569All other liabilities
  • $5,569Total equity capital
  • $5,569Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $550Surplus
  • $4,819Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $75Income earned, not collected on loans
  • $0Earning assets
  • $459Long-term assets (5+ years)
  • $43,313Average Assets, year-to-date
  • $12,500Average Assets, quarterly
  • $45,751Volatile liabilities
  • $46,059Insider loans
  • $26,064FHLB advances
  • $46,161Loans and leases held for sale
  • $750Unused loan commitments
  • $750Tier 1 (core) risk-based capital
  • $5,394Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,358Restructured Loans and leases
  • $96Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,091Total interest income
  • $421Total interest expense
  • $1,670Net interest income
  • $19Provision for loan and lease losses
  • $317Total noninterest income
  • $0Fiduciary activities
  • $262Service charges on deposit accounts
  • $0Trading account gains & fees
  • $55Additional noninterest income
  • $1,418Total noninterest expense
  • $793Salaries and employee benefits
  • $207Premises and equipment expense
  • $418Additional noninterest expense
  • $550Pre-tax net operating income
  • -$2Securities gains (losses)
  • $0Applicable income taxes
  • $548Income before extraordinary items
  • $0Extraordinary gains - net
  • $548Net income attributable to bank
  • $0Net charge-offs
  • $548Cash dividends
  • $15Sale, conversion, retirement of capital stock, net
  • $343Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.35%Noninterest expense to earning assets
  • 1.20%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 10.42%Return on equity (ROE)
  • 3.90%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 126.67%Credit loss provision to net charge-offs
  • 37.93%Efficiency ratio
  • 71,364Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.59%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 325.33%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 50.78%Net loans and leases to core deposits
  • 53.10%Equity capital to assets
  • 11.93%Core capital (leverage) ratio
  • 11.69%Tier 1 risk-based capital ratio
  • 20.70%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $45,751Average earning assets
  • $5,257Average equity
  • $42,350Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02007The First National Bank Of Chillicot200 Avenue H, Chillicothe, TX 79225March 26, 1924Full Service Brick and Mortar
    1196095Quanah Branch111 West Fourth Street, Quanah, TX 79252January 28, 1994Full Service Brick and Mortar

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