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

  • The First National Bank of Evant in Evant, Texas (TX)
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The First National Bank of Evant - Overview

  • General
  • FDIC Certificate #: 3190
    Status: Active
    Federal Reserve ID: 379153
    Date Established: October 08, 1912
    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)
    FDIC's unique #: 2052
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 29, 2006
    Last Structure Change Process Date: January 12, 2007
    Last Data Update: January 12, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 115 N Memory Drive, Evant, TX 76525
    County: Coryell
    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
    Metropolitan Statistical Area (MSA): Killeen-Temple, TX (#3810)
    Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
    CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $64.1 mil
    Equity capital: $5.1 mil
    Deposits held in domestic offices: $58.9 mil
    Return on assets (ROA): 1.10% ($0.7 mil)
    Quarterly return on assets: 1.12% ($0.7 mil)
    Return on Equity (ROE): 13.80% ($0.7 mil)
    Quarterly return on equity: 13.91% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.08% ($692.0 mil)
    Quarterly Pretax return on assets: 1.12% ($717.7 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)
  • $64,077Total assets
  • $14,974Cash and due from depository institutions
  • $12,992Interest-bearing balances
  • $7,821Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $37,500Net loans & leases
  • $583Loan loss allowance
  • $0Trading account assets
  • $1,540Bank premises and fixed assets
  • $549Other real estate owned
  • $0Goodwill and other intangibles
  • $64,077Life insurance assets
  • $1,693All other assets
  • $58,997Total liabilities and capital
  • $58,912Total liabilities
  • $43,362Total deposits
  • $58,912Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $85Subordinated debt
  • $5,080All other liabilities
  • $5,080Total equity capital
  • $5,080Total bank equity capital
  • $0Perpetual preferred stock
  • $323Common stock
  • $3,009Surplus
  • $1,748Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $415Income earned, not collected on loans
  • $0Earning assets
  • $278Long-term assets (5+ years)
  • $58,313Average Assets, year-to-date
  • $8,673Average Assets, quarterly
  • $63,537Volatile liabilities
  • $63,705Insider loans
  • $35,606FHLB advances
  • $63,282Loans and leases held for sale
  • $1,084Unused loan commitments
  • $1,084Tier 1 (core) risk-based capital
  • $5,010Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,425Restructured Loans and leases
  • $1,428Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,670Total interest income
  • $415Total interest expense
  • $2,255Net interest income
  • $0Provision for loan and lease losses
  • $381Total noninterest income
  • $0Fiduciary activities
  • $244Service charges on deposit accounts
  • $0Trading account gains & fees
  • $137Additional noninterest income
  • $1,952Total noninterest expense
  • $969Salaries and employee benefits
  • $277Premises and equipment expense
  • $706Additional noninterest expense
  • $684Pre-tax net operating income
  • $0Securities gains (losses)
  • -$16Applicable income taxes
  • $700Income before extraordinary items
  • $0Extraordinary gains - net
  • $700Net income attributable to bank
  • $0Net charge-offs
  • $700Cash dividends
  • $96Sale, conversion, retirement of capital stock, net
  • $559Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 13.80%Return on equity (ROE)
  • 2.78%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 7.13%Efficiency ratio
  • 74,052Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 79.86%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 140.48%Noncurrent assets plus other real estate owned to assets
  • 1.50%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 63.65%Net loans and leases to core deposits
  • 67.15%Equity capital to assets
  • 7.93%Core capital (leverage) ratio
  • 7.92%Tier 1 risk-based capital ratio
  • 14.07%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $63,537Average earning assets
  • $5,072Average equity
  • $58,072Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02052The First National Bank Of Evant115 N Memory Drive, Evant, TX 76525October 08, 1912Full Service Brick and Mortar
    1456816Gatesville Branch3411 East Main, Gatesville, TX 76528November 20, 2006Full Service Brick and Mortar

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