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



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The First National Bank of Emory routing number info

Table of contents:
The First National Bank of Emory
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)24
Total assets$104,435
Cash and due from depository institutions$4,440
Interest-bearing balances$2,248
Securities$60,491
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$35,319
Loan loss allowance $1,209
Trading account assets$0
Bank premises and fixed assets$603
Other real estate owned$130
Goodwill and other intangibles$43
All other assets$3,409
Life insurance assets$104,435
Total liabilities and capital$91,217
Total liabilities$82,991
Total deposits$62,088
Interest-bearing deposits$82,991
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,165
Other borrowed funds $0
Subordinated debt $1,061
All other liabilities $13,218
Total equity capital$13,218
Total bank equity capital$13,218
Perpetual preferred stock$0
Common stock$237
Surplus$663
Undivided profits $12,318
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 $1,319
Earning assets $0
Long-term assets (5+ years) $707
Average Assets, year-to-date $98,058
Average Assets, quarterly $44,427
Volatile liabilities $101,626
Insider loans $102,362
FHLB advances $39,936
Loans and leases held for sale $99,938
Unused loan commitments $1,986
Tier 1 (core) risk-based capital $1,986
Tier 2 risk-based capital $10,978
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,983
Derivatives$546
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,236
Total interest expense $853
Net interest income $3,383
Provision for loan and lease losses $189
Total noninterest income $647
Fiduciary activities $0
Service charges on deposit accounts $377
Trading account gains & fees $0
Additional noninterest income $270
Total noninterest expense $2,585
Salaries and employee benefits $1,312
Premises and equipment expense $173
Additional noninterest expense $1,100
Pre-tax net operating income $1,256
Securities gains (losses) $172
Applicable income taxes $0
Income before extraordinary items $1,428
Extraordinary gains - net $0
Net income attributable to bank $1,428
Net charge-offs $0
Cash dividends $1,428
Sale, conversion, retirement of capital stock, net $48
Net operating income $735
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.44%
Cost of funding earning assets 0.89%
Net interest margin 3.55%
Noninterest income to earning assets 0.68%
Noninterest expense to earning assets 2.71%
Net operating income to assets 1.24%
Return on assets (ROA) 1.41%
Pretax return on assets 1.41%
Return on equity (ROE) 11.27%
Retained earnings to average equity (YTD only) 5.47%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 393.75%
Efficiency ratio30.10%
Assets per employee$63,697
Cash dividends to net income (YTD only)4.35%
Condition Ratios (%)
Loss allowance to loans 51.47%
Loss allowance to noncurrent loans 3.31%
Noncurrent assets plus other real estate owned to assets 91.66%
Noncurrent loans to loans 1.39%
Net loans and leases to deposits3.61%
Net loans and leases to core deposits 42.56%
Equity capital to assets 50.22%
Core capital (leverage) ratio 12.66%
Tier 1 risk-based capital ratio 10.98%
Total risk-based capital ratio 27.49%
Memoranda
Average assets$29
Average earning assets$101,626
Average equity $12,668
Average loans $95,340
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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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