The First National Bank of Hico in Hico, Texas (TX)
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| The First National Bank of Hico | |
|---|---|
| General | FDIC Certificate #: 3253 Status: Active Federal Reserve ID: 183051 Bank Holding Company (Regulatory Top Holder): First National Bancshares Of Hico, Inc. (RSSDID: 1104811, Location: Hico, TX) Date Established: July 01, 1890 WWW: http://www.fnbhico.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 2101 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: 135 North Pecan, Hico, TX 76457 County: Hamilton 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 Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $39.7 mil Equity capital: $4.7 mil Deposits held in domestic offices: $35.0 mil Return on assets (ROA): 1.54% ($0.6 mil) Quarterly return on assets: 0.89% ($0.4 mil) Return on Equity (ROE): 13.69% ($0.7 mil) Quarterly return on equity: 7.50% ($0.4 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.54% ($611.1 mil) Quarterly Pretax return on assets: 0.89% ($353.2 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 13 |
| Total assets | $39,684 |
| Cash and due from depository institutions | $5,257 |
| Interest-bearing balances | $4,505 |
| Securities | $19,311 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $14,483 |
| Loan loss allowance | $251 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $228 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $405 |
| Life insurance assets | $39,684 |
| Total liabilities and capital | $34,983 |
| Total liabilities | $34,975 |
| Total deposits | $24,089 |
| Interest-bearing deposits | $34,975 |
| Deposits held in domestic offices | $95 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $8 |
| All other liabilities | $4,701 |
| Total equity capital | $4,701 |
| Total bank equity capital | $4,701 |
| Perpetual preferred stock | $0 |
| Common stock | $130 |
| Surplus | $400 |
| Undivided profits | $4,171 |
| 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 | $0 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $267 |
| Average Assets, year-to-date | $38,299 |
| Average Assets, quarterly | $15,865 |
| Volatile liabilities | $37,865 |
| Insider loans | $39,270 |
| FHLB advances | $20,331 |
| Loans and leases held for sale | $39,536 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $4,300 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $956 |
| Derivatives | $61 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,553 |
| Total interest expense | $167 |
| Net interest income | $1,386 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $353 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $216 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $137 |
| Total noninterest expense | $1,220 |
| Salaries and employee benefits | $730 |
| Premises and equipment expense | $116 |
| Additional noninterest expense | $374 |
| Pre-tax net operating income | $519 |
| Securities gains (losses) | $66 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $585 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $585 |
| Net charge-offs | $0 |
| Cash dividends | $585 |
| Sale, conversion, retirement of capital stock, net | $6 |
| Net operating income | $327 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.27% |
| Cost of funding earning assets | 0.46% |
| Net interest margin | 3.82% |
| Noninterest income to earning assets | 0.97% |
| Noninterest expense to earning assets | 3.36% |
| Net operating income to assets | 1.37% |
| Return on assets (ROA) | 1.54% |
| Pretax return on assets | 1.54% |
| Return on equity (ROE) | 13.69% |
| Retained earnings to average equity (YTD only) | 6.04% |
| Net charge-offs to loans | 0.04% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 86.50% |
| Assets per employee | $70,155 |
| Cash dividends to net income (YTD only) | 3.05% |
| Condition Ratios (%) | |
| Loss allowance to loans | 55.90% |
| Loss allowance to noncurrent loans | 1.70% |
| Noncurrent assets plus other real estate owned to assets | 0.00% |
| Noncurrent loans to loans | 0.00% |
| Net loans and leases to deposits | 0.00% |
| Net loans and leases to core deposits | 41.41% |
| Equity capital to assets | 44.93% |
| Core capital (leverage) ratio | 11.85% |
| Tier 1 risk-based capital ratio | 10.88% |
| Total risk-based capital ratio | 21.15% |
| Memoranda | |
| Average assets | $22 |
| Average earning assets | $37,865 |
| Average equity | $4,273 |
| Average loans | $36,330 |
| 1 Texas Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 2101 | The First National Bank Of Hico | 135 North Pecan, Hico, TX 76457 | July 01, 1890 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.