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


The First National Bank of Emory - Overview

  • General
  • FDIC Certificate #: 3188
    Status: Active
    Federal Reserve ID: 371858
    Bank Holding Company (Regulatory Top Holder): Emory Bancshares, Inc. (RSSDID: 1106271, Location: Emory, TX)
    Date Established: July 04, 1903
    WWW: http://www.fnbemory.com
    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 #: 13314
    FDIC's unique #: 2050
    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: 107 Quitman Street, Emory, TX 75440
    County: Rains
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    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: $104.4 mil
    Equity capital: $13.2 mil
    Deposits held in domestic offices: $83.0 mil
    Return on assets (ROA): 1.41% ($1.5 mil)
    Quarterly return on assets: 1.41% ($1.5 mil)
    Return on Equity (ROE): 11.27% ($1.5 mil)
    Quarterly return on equity: 10.78% ($1.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.41% ($1,472.5 mil)
    Quarterly Pretax return on assets: 1.41% ($1,472.5 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
  • 24Total employees (full-time equivalent)
  • $104,435Total assets
  • $4,440Cash and due from depository institutions
  • $2,248Interest-bearing balances
  • $60,491Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $35,319Net loans & leases
  • $1,209Loan loss allowance
  • $0Trading account assets
  • $603Bank premises and fixed assets
  • $130Other real estate owned
  • $43Goodwill and other intangibles
  • $104,435Life insurance assets
  • $3,409All other assets
  • $91,217Total liabilities and capital
  • $82,991Total liabilities
  • $62,088Total deposits
  • $82,991Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,165Trading liabilities
  • $0Other borrowed funds
  • $1,061Subordinated debt
  • $13,218All other liabilities
  • $13,218Total equity capital
  • $13,218Total bank equity capital
  • $0Perpetual preferred stock
  • $237Common stock
  • $663Surplus
  • $12,318Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,319Income earned, not collected on loans
  • $0Earning assets
  • $707Long-term assets (5+ years)
  • $98,058Average Assets, year-to-date
  • $44,427Average Assets, quarterly
  • $101,626Volatile liabilities
  • $102,362Insider loans
  • $39,936FHLB advances
  • $99,938Loans and leases held for sale
  • $1,986Unused loan commitments
  • $1,986Tier 1 (core) risk-based capital
  • $10,978Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,983Restructured Loans and leases
  • $546Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,236Total interest income
  • $853Total interest expense
  • $3,383Net interest income
  • $189Provision for loan and lease losses
  • $647Total noninterest income
  • $0Fiduciary activities
  • $377Service charges on deposit accounts
  • $0Trading account gains & fees
  • $270Additional noninterest income
  • $2,585Total noninterest expense
  • $1,312Salaries and employee benefits
  • $173Premises and equipment expense
  • $1,100Additional noninterest expense
  • $1,256Pre-tax net operating income
  • $172Securities gains (losses)
  • $0Applicable income taxes
  • $1,428Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,428Net income attributable to bank
  • $0Net charge-offs
  • $1,428Cash dividends
  • $48Sale, conversion, retirement of capital stock, net
  • $735Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.44%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 11.27%Return on equity (ROE)
  • 5.47%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 393.75%Credit loss provision to net charge-offs
  • 30.10%Efficiency ratio
  • 63,697Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.47%Loss allowance to loans
  • 3.31%Loss allowance to noncurrent loans
  • 91.66%Noncurrent assets plus other real estate owned to assets
  • 1.39%Noncurrent loans to loans
  • 3.61%Net loans and leases to deposits
  • 42.56%Net loans and leases to core deposits
  • 50.22%Equity capital to assets
  • 12.66%Core capital (leverage) ratio
  • 10.98%Tier 1 risk-based capital ratio
  • 27.49%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $101,626Average earning assets
  • $12,668Average equity
  • $95,340Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02050The First National Bank Of Emory107 Quitman Street, Emory, TX 75440July 04, 1903Full Service Brick and Mortar
    1196144Alba BranchCooper Street And Highway 69, Emory, TX 75410May 01, 1987Full Service Brick and Mortar

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