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

The First National Bank of Eagle Lake - Overview

  • General
  • FDIC Certificate #: 3179
    Status: Active
    Federal Reserve ID: 651952
    Bank Holding Company (Regulatory Top Holder): Eagle Lake Bancshares, Inc. (RSSDID: 2723648, Location: Eagle Lake, TX)
    Date Established: December 30, 1904
    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)
    OTS Docket #: 11421
    FDIC's unique #: 2042
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending 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: 100 Commerce Street, Eagle Lake, TX 77434
    County: Colorado
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $101.6 mil
    Equity capital: $9.6 mil
    Deposits held in domestic offices: $91.6 mil
    Return on assets (ROA): 0.55% ($0.6 mil)
    Quarterly return on assets: 0.55% ($0.6 mil)
    Return on Equity (ROE): 5.56% ($0.6 mil)
    Quarterly return on equity: 5.63% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.55% ($558.7 mil)
    Quarterly Pretax return on assets: 0.55% ($558.7 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
  • 42Total employees (full-time equivalent)
  • $101,581Total assets
  • $16,249Cash and due from depository institutions
  • $12,525Interest-bearing balances
  • $23,639Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $55,379Net loans & leases
  • $699Loan loss allowance
  • $0Trading account assets
  • $1,600Bank premises and fixed assets
  • $627Other real estate owned
  • $0Goodwill and other intangibles
  • $101,581Life insurance assets
  • $4,087All other assets
  • $91,985Total liabilities and capital
  • $91,643Total liabilities
  • $64,269Total deposits
  • $91,643Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $77Trading liabilities
  • $0Other borrowed funds
  • $265Subordinated debt
  • $9,596All other liabilities
  • $9,596Total equity capital
  • $9,596Total bank equity capital
  • $0Perpetual preferred stock
  • $106Common stock
  • $2,712Surplus
  • $6,778Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,164Income earned, not collected on loans
  • $119Earning assets
  • $709Long-term assets (5+ years)
  • $91,543Average Assets, year-to-date
  • $16,079Average Assets, quarterly
  • $94,687Volatile liabilities
  • $98,979Insider loans
  • $63,588FHLB advances
  • $101,001Loans and leases held for sale
  • $2,332Unused loan commitments
  • $2,332Tier 1 (core) risk-based capital
  • $8,952Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,534Restructured Loans and leases
  • $2,395Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,332Total interest income
  • $370Total interest expense
  • $3,962Net interest income
  • $208Provision for loan and lease losses
  • $740Total noninterest income
  • $0Fiduciary activities
  • $392Service charges on deposit accounts
  • $0Trading account gains & fees
  • $348Additional noninterest income
  • $3,984Total noninterest expense
  • $2,158Salaries and employee benefits
  • $391Premises and equipment expense
  • $1,435Additional noninterest expense
  • $510Pre-tax net operating income
  • $12Securities gains (losses)
  • $0Applicable income taxes
  • $522Income before extraordinary items
  • $0Extraordinary gains - net
  • $522Net income attributable to bank
  • $0Net charge-offs
  • $522Cash dividends
  • $178Sale, conversion, retirement of capital stock, net
  • $366Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.06%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 4.62%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 4.65%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 5.56%Return on equity (ROE)
  • 1.66%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 116.85%Credit loss provision to net charge-offs
  • 4.03%Efficiency ratio
  • 84,390Assets per employee
  • 2.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.11%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 60.05%Noncurrent assets plus other real estate owned to assets
  • 1.76%Noncurrent loans to loans
  • 2.08%Net loans and leases to deposits
  • 60.43%Net loans and leases to core deposits
  • 60.69%Equity capital to assets
  • 9.45%Core capital (leverage) ratio
  • 8.86%Tier 1 risk-based capital ratio
  • 14.08%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $94,687Average earning assets
  • $9,394Average equity
  • $85,669Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02042The First National Bank Of Eagle Lak100 Commerce Street, Eagle Lake, TX 77434December 30, 1904Full Service Brick and Mortar
    1334395East Bernard Branch138 South Dill Street, East Bernard, TX 77435May 15, 2000Full Service Brick and Mortar
    2259406Columbus Branch1001 Milam St, Columbus, TX 78934August 28, 1998Full Service Brick and Mortar

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