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

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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 13Total employees (full-time equivalent)
  • $106,475Total assets
  • $37,750Cash and due from depository institutions
  • $27,089Interest-bearing balances
  • $21,023Securities
  • $9,000Federal funds sold & reverse repurchase agreements
  • $36,839Net loans & leases
  • $859Loan loss allowance
  • $0Trading account assets
  • $651Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $106,475Life insurance assets
  • $1,212All other assets
  • $94,768Total liabilities and capital
  • $94,697Total liabilities
  • $63,176Total deposits
  • $94,697Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $71Subordinated debt
  • $11,707All other liabilities
  • $11,707Total equity capital
  • $11,707Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $500Surplus
  • $11,007Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $1,028Long-term assets (5+ years)
  • $93,951Average Assets, year-to-date
  • $17,778Average Assets, quarterly
  • $99,067Volatile liabilities
  • $101,286Insider loans
  • $87,396FHLB advances
  • $105,498Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,360Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,845Restructured Loans and leases
  • $1,726Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,946Total interest income
  • $333Total interest expense
  • $2,613Net interest income
  • $0Provision for loan and lease losses
  • $174Total noninterest income
  • $0Fiduciary activities
  • $159Service charges on deposit accounts
  • $0Trading account gains & fees
  • $15Additional noninterest income
  • $1,469Total noninterest expense
  • $848Salaries and employee benefits
  • $104Premises and equipment expense
  • $517Additional noninterest expense
  • $1,318Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,318Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,318Net income attributable to bank
  • $0Net charge-offs
  • $1,318Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $1,251Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.50%Yield on earning assets
  • 0.40%Cost of funding earning assets
  • 3.11%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 1.75%Noninterest expense to earning assets
  • 1.33%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 10.95%Return on equity (ROE)
  • 0.56%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 329.50%Efficiency ratio
  • 52,709Assets per employee
  • 8.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.92%Loss allowance to loans
  • 2.28%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 38.90%Net loans and leases to core deposits
  • 38.90%Equity capital to assets
  • 11.00%Core capital (leverage) ratio
  • 10.77%Tier 1 risk-based capital ratio
  • 13.00%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $99,067Average earning assets
  • $12,038Average equity
  • $84,077Average loans

List of branches

  • 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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