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

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The First National Bank of Chillicothe routing number info

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The First National Bank of Chillicothe
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)13
Total assets$46,690
Cash and due from depository institutions$3,972
Interest-bearing balances$2,768
Federal funds sold & reverse repurchase agreements$3,784
Net loans & leases$20,858
Loan loss allowance $244
Trading account assets$0
Bank premises and fixed assets$475
Other real estate owned$24
Goodwill and other intangibles$0
All other assets$1,674
Life insurance assets$46,690
Total liabilities and capital$41,121
Total liabilities$41,074
Total deposits$36,008
Interest-bearing deposits$41,074
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $47
All other liabilities $5,569
Total equity capital$5,569
Total bank equity capital$5,569
Perpetual preferred stock$0
Common stock$200
Undivided profits $4,819
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 $75
Earning assets $0
Long-term assets (5+ years) $459
Average Assets, year-to-date $43,313
Average Assets, quarterly $12,500
Volatile liabilities $45,751
Insider loans $46,059
FHLB advances $26,064
Loans and leases held for sale $46,161
Unused loan commitments $750
Tier 1 (core) risk-based capital $750
Tier 2 risk-based capital $5,394
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,358
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,091
Total interest expense $421
Net interest income $1,670
Provision for loan and lease losses $19
Total noninterest income $317
Fiduciary activities $0
Service charges on deposit accounts $262
Trading account gains & fees $0
Additional noninterest income $55
Total noninterest expense $1,418
Salaries and employee benefits $793
Premises and equipment expense $207
Additional noninterest expense $418
Pre-tax net operating income $550
Securities gains (losses) -$2
Applicable income taxes $0
Income before extraordinary items $548
Extraordinary gains - net $0
Net income attributable to bank $548
Net charge-offs $0
Cash dividends $548
Sale, conversion, retirement of capital stock, net $15
Net operating income $343
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.94%
Cost of funding earning assets 0.99%
Net interest margin 3.94%
Noninterest income to earning assets 0.75%
Noninterest expense to earning assets 3.35%
Net operating income to assets 1.20%
Return on assets (ROA) 1.20%
Pretax return on assets 1.20%
Return on equity (ROE) 10.42%
Retained earnings to average equity (YTD only) 3.90%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 126.67%
Efficiency ratio37.93%
Assets per employee$71,364
Cash dividends to net income (YTD only)3.59%
Condition Ratios (%)
Loss allowance to loans 62.59%
Loss allowance to noncurrent loans 1.16%
Noncurrent assets plus other real estate owned to assets 325.33%
Noncurrent loans to loans 0.21%
Net loans and leases to deposits0.36%
Net loans and leases to core deposits 50.78%
Equity capital to assets 53.10%
Core capital (leverage) ratio 11.93%
Tier 1 risk-based capital ratio 11.69%
Total risk-based capital ratio 20.70%
Average assets$22
Average earning assets$45,751
Average equity $5,257
Average loans $42,350
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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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