FDIC 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
Location
Address: 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 Changes
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total 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
16Total employees (full-time equivalent)
$62,260Total assets
$10,426Cash and due from depository institutions
$624Interest-bearing balances
$22,320Securities
$9,915Federal funds sold & reverse repurchase agreements
$16,245Net loans & leases
$516Loan loss allowance
$0Trading account assets
$790Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$62,260Life insurance assets
$2,564All other assets
$55,015Total liabilities and capital
$54,821Total liabilities
$38,350Total deposits
$54,821Interest-bearing deposits
$76Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$153Trading liabilities
$0Other borrowed funds
$41Subordinated debt
$7,245All other liabilities
$7,245Total equity capital
$7,245Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$375Surplus
$6,720Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2Income earned, not collected on loans
$0Earning assets
$365Long-term assets (5+ years)
$49,104Average Assets, year-to-date
$17,431Average Assets, quarterly
$57,933Volatile liabilities
$68,169Insider loans
$28,093FHLB advances
$63,478Loans and leases held for sale
$1,589Unused loan commitments
$1,589Tier 1 (core) risk-based capital
$6,603Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,515Restructured Loans and leases
$273Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,858Total interest income
$222Total interest expense
$1,636Net interest income
$30Provision for loan and lease losses
$617Total noninterest income
$1Fiduciary activities
$409Service charges on deposit accounts
$0Trading account gains & fees
$207Additional noninterest income
$1,789Total noninterest expense
$919Salaries and employee benefits
$233Premises and equipment expense
$637Additional noninterest expense
$434Pre-tax net operating income
$155Securities gains (losses)
$0Applicable income taxes
$589Income before extraordinary items
$0Extraordinary gains - net
$589Net income attributable to bank
$0Net charge-offs
$589Cash dividends
$0Sale, conversion, retirement of capital stock, net
$210Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.91%Yield on earning assets
0.47%Cost of funding earning assets
3.44%Net interest margin
1.30%Noninterest income to earning assets
3.77%Noninterest expense to earning assets
0.75%Net operating income to assets
1.02%Return on assets (ROA)
1.02%Pretax return on assets
8.61%Return on equity (ROE)
5.54%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
79,405Assets per employee
3.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
35.65%Loss allowance to loans
3.08%Loss allowance to noncurrent loans
25800.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.01%Net loans and leases to deposits
29.63%Net loans and leases to core deposits
30.10%Equity capital to assets
11.64%Core capital (leverage) ratio
10.40%Tier 1 risk-based capital ratio
23.50%Total risk-based capital ratio
Memoranda
$25Average assets
$57,933Average earning assets
$6,844Average equity
$47,500Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$5Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$5Other retirement accounts
$5Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2046
The First National Bank Of Eldorado
100 Main Street, Eldorado, TX 76936
January 01, 1907
Full Service Brick and Mortar
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