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

This bank is inactive as of April 12, 1996

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

  • General
  • FDIC Certificate #: 3251
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Norwest Bank Texas, Wichita Falls, National Association (#3365)
    Federal Reserve ID: 180452
    Date Established: October 28, 1933
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 2099
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 12, 1996
    Last Structure Change Process Date: April 25, 1996
    Last Data Update: April 25, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 206 North Bridge Street, Henrietta, TX 76365
    County: Clay
    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
    Core Based Statistical Area (CBSA): Wichita Falls, TX (#48660)
    CBSA Metro Statistical Area: Wichita Falls, TX (#48660)
  • Financial Summary
  • Total assets: $83.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $21Total assets
  • $66,776Cash and due from depository institutions
  • $1,970Interest-bearing balances
  • $0Securities
  • $23,592Federal funds sold & reverse repurchase agreements
  • $11,050Net loans & leases
  • $29,001Loan loss allowance
  • $528Trading account assets
  • $0Bank premises and fixed assets
  • $334Other real estate owned
  • $0Goodwill and other intangibles
  • $829Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $66,776Total liabilities
  • $59,156Total deposits
  • $58,815Interest-bearing deposits
  • $49,647Deposits held in domestic offices
  • 58815.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $341Total equity capital
  • $341Total bank equity capital
  • $7,620Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $1,000Undivided profits
  • Memoranda
  • $6,320Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $225Income earned, not collected on loans
  • $351Earning assets
  • $63,643Long-term assets (5+ years)
  • $9,147Average Assets, year-to-date
  • $63,059Average Assets, quarterly
  • $65,565Volatile liabilities
  • $6,850Insider loans
  • $429FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,641Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,570Total risk weighted assets
  • $35,222Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,449Total interest expense
  • $2,016Net interest income
  • $3,433Provision for loan and lease losses
  • $0Total noninterest income
  • $528Fiduciary activities
  • $0Service charges on deposit accounts
  • $260Trading account gains & fees
  • $0Additional noninterest income
  • $268Total noninterest expense
  • $1,616Salaries and employee benefits
  • $1,038Premises and equipment expense
  • $161Additional noninterest expense
  • $417Pre-tax net operating income
  • $2,345Securities gains (losses)
  • $0Applicable income taxes
  • $721Income before extraordinary items
  • $1,624Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,624Net charge-offs
  • -$75Cash dividends
  • $800Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.07%Cost of funding earning assets
  • 3.36%Net interest margin
  • 5.71%Noninterest income to earning assets
  • 0.88%Noninterest expense to earning assets
  • 2.69%Net operating income to assets
  • 2.58%Return on assets (ROA)
  • 2.58%Pretax return on assets
  • 3.72%Return on equity (ROE)
  • 23.21%Retained earnings to average equity (YTD only)
  • 11.78%Net charge-offs to loans
  • -0.25%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 40,798Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.26%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 234.67%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 49.31%Net loans and leases to core deposits
  • 55.81%Equity capital to assets
  • 11.41%Core capital (leverage) ratio
  • 11.53%Tier 1 risk-based capital ratio
  • 21.49%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $63,059Average earning assets
  • $6,997Average equity
  • $60,082Average loans

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