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

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The First National Bank of Floydada routing number info

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The First National Bank of Floydada
GeneralFDIC Certificate #: 3197
Status: Active
Federal Reserve ID: 393252
Bank Holding Company (Regulatory Top Holder): Floyd County Bancshares, Inc. (RSSDID: 1104941, Location: Floydada, TX)
Date Established: January 01, 1890
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 #: 2057
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
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: 124 South Main Street, Floydada, TX 79235
County: Floyd
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 ChangesChange in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $106.5 mil
Equity capital: $11.7 mil
Deposits held in domestic offices: $94.7 mil
Return on assets (ROA): 1.33% ($1.4 mil)
Quarterly return on assets: 1.43% ($1.5 mil)
Return on Equity (ROE): 10.95% ($1.3 mil)
Quarterly return on equity: 11.90% ($1.4 mil)
Net income: $1.3 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.33% ($1,416.1 mil)
Quarterly Pretax return on assets: 1.43% ($1,522.6 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)13
Total assets$106,475
Cash and due from depository institutions$37,750
Interest-bearing balances$27,089
Federal funds sold & reverse repurchase agreements$9,000
Net loans & leases$36,839
Loan loss allowance $859
Trading account assets$0
Bank premises and fixed assets$651
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,212
Life insurance assets$106,475
Total liabilities and capital$94,768
Total liabilities$94,697
Total deposits$63,176
Interest-bearing deposits$94,697
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $71
All other liabilities $11,707
Total equity capital$11,707
Total bank equity capital$11,707
Perpetual preferred stock$0
Common stock$200
Undivided profits $11,007
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 $0
Earning assets $0
Long-term assets (5+ years) $1,028
Average Assets, year-to-date $93,951
Average Assets, quarterly $17,778
Volatile liabilities $99,067
Insider loans $101,286
FHLB advances $87,396
Loans and leases held for sale $105,498
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,360
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,845
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,946
Total interest expense $333
Net interest income $2,613
Provision for loan and lease losses $0
Total noninterest income $174
Fiduciary activities $0
Service charges on deposit accounts $159
Trading account gains & fees $0
Additional noninterest income $15
Total noninterest expense $1,469
Salaries and employee benefits $848
Premises and equipment expense $104
Additional noninterest expense $517
Pre-tax net operating income $1,318
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,318
Extraordinary gains - net $0
Net income attributable to bank $1,318
Net charge-offs $0
Cash dividends $1,318
Sale, conversion, retirement of capital stock, net $4
Net operating income $1,251
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.50%
Cost of funding earning assets 0.40%
Net interest margin 3.11%
Noninterest income to earning assets 0.21%
Noninterest expense to earning assets 1.75%
Net operating income to assets 1.33%
Return on assets (ROA) 1.33%
Pretax return on assets 1.33%
Return on equity (ROE) 10.95%
Retained earnings to average equity (YTD only) 0.56%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio329.50%
Assets per employee$52,709
Cash dividends to net income (YTD only)8.19%
Condition Ratios (%)
Loss allowance to loans 94.92%
Loss allowance to noncurrent loans 2.28%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 38.90%
Equity capital to assets 38.90%
Core capital (leverage) ratio 11.00%
Tier 1 risk-based capital ratio 10.77%
Total risk-based capital ratio 13.00%
Average assets$14
Average earning assets$99,067
Average equity $12,038
Average loans $84,077
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02057The First National Bank Of Floydada124 South Main Street, Floydada, TX 79235January 01, 1890Full Service Brick and Mortar
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