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



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The First National Bank of Eldorado routing number info

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The First National Bank of Eldorado
GeneralFDIC Certificate #: 3184
Status: Active
Federal Reserve ID: 665258
Bank Holding Company (Regulatory Top Holder): First Eldorado Bancshares, Inc. (RSSDID: 2234863, Location: Eldorado, TX)
Date Established: January 01, 1907
WWW: http://www.fnbeldorado.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 2046
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: Other Specialized Lending < 1 Billion
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: 100 Main Street, Eldorado, TX 76936
County: Schleicher
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
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $62.3 mil
Equity capital: $7.2 mil
Deposits held in domestic offices: $54.8 mil
Return on assets (ROA): 1.02% ($0.6 mil)
Quarterly return on assets: 1.20% ($0.7 mil)
Return on Equity (ROE): 8.61% ($0.6 mil)
Quarterly return on equity: 11.38% ($0.8 mil)
Net income: $0.6 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.02% ($635.1 mil)
Quarterly Pretax return on assets: 1.20% ($747.1 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)16
Total assets$62,260
Cash and due from depository institutions$10,426
Interest-bearing balances$624
Securities$22,320
Federal funds sold & reverse repurchase agreements$9,915
Net loans & leases$16,245
Loan loss allowance $516
Trading account assets$0
Bank premises and fixed assets$790
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,564
Life insurance assets$62,260
Total liabilities and capital$55,015
Total liabilities$54,821
Total deposits$38,350
Interest-bearing deposits$54,821
Deposits held in domestic offices$76
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$153
Other borrowed funds $0
Subordinated debt $41
All other liabilities $7,245
Total equity capital$7,245
Total bank equity capital$7,245
Perpetual preferred stock$0
Common stock$150
Surplus$375
Undivided profits $6,720
Memoranda
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 $2
Earning assets $0
Long-term assets (5+ years) $365
Average Assets, year-to-date $49,104
Average Assets, quarterly $17,431
Volatile liabilities $57,933
Insider loans $68,169
FHLB advances $28,093
Loans and leases held for sale $63,478
Unused loan commitments $1,589
Tier 1 (core) risk-based capital $1,589
Tier 2 risk-based capital $6,603
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,515
Derivatives$273
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,858
Total interest expense $222
Net interest income $1,636
Provision for loan and lease losses $30
Total noninterest income $617
Fiduciary activities $1
Service charges on deposit accounts $409
Trading account gains & fees $0
Additional noninterest income $207
Total noninterest expense $1,789
Salaries and employee benefits $919
Premises and equipment expense $233
Additional noninterest expense $637
Pre-tax net operating income $434
Securities gains (losses) $155
Applicable income taxes $0
Income before extraordinary items $589
Extraordinary gains - net $0
Net income attributable to bank $589
Net charge-offs $0
Cash dividends $589
Sale, conversion, retirement of capital stock, net $0
Net operating income $210
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.91%
Cost of funding earning assets 0.47%
Net interest margin 3.44%
Noninterest income to earning assets 1.30%
Noninterest expense to earning assets 3.77%
Net operating income to assets 0.75%
Return on assets (ROA) 1.02%
Pretax return on assets 1.02%
Return on equity (ROE) 8.61%
Retained earnings to average equity (YTD only) 5.54%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$79,405
Cash dividends to net income (YTD only)3.89%
Condition Ratios (%)
Loss allowance to loans 35.65%
Loss allowance to noncurrent loans 3.08%
Noncurrent assets plus other real estate owned to assets 25800.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.01%
Net loans and leases to core deposits 29.63%
Equity capital to assets 30.10%
Core capital (leverage) ratio 11.64%
Tier 1 risk-based capital ratio 10.40%
Total risk-based capital ratio 23.50%
Memoranda
Average assets$25
Average earning assets$57,933
Average equity $6,844
Average loans $47,500
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$5
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$5
Corporate trust and agency accounts$5
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02046The First National Bank Of Eldorado100 Main Street, Eldorado, TX 76936January 01, 1907Full Service Brick and Mortar
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