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

The First National Bank of Eldorado - Overview

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    02046The First National Bank Of Eldorado100 Main Street, Eldorado, TX 76936January 01, 1907Full Service Brick and Mortar

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