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


The First National Bank of Hico - Overview

  • 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)

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)
  • $39,684Total assets
  • $5,257Cash and due from depository institutions
  • $4,505Interest-bearing balances
  • $19,311Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $14,483Net loans & leases
  • $251Loan loss allowance
  • $0Trading account assets
  • $228Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $39,684Life insurance assets
  • $405All other assets
  • $34,983Total liabilities and capital
  • $34,975Total liabilities
  • $24,089Total deposits
  • $34,975Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $8Subordinated debt
  • $4,701All other liabilities
  • $4,701Total equity capital
  • $4,701Total bank equity capital
  • $0Perpetual preferred stock
  • $130Common stock
  • $400Surplus
  • $4,171Undivided 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
  • $267Long-term assets (5+ years)
  • $38,299Average Assets, year-to-date
  • $15,865Average Assets, quarterly
  • $37,865Volatile liabilities
  • $39,270Insider loans
  • $20,331FHLB advances
  • $39,536Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,300Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $956Restructured Loans and leases
  • $61Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,553Total interest income
  • $167Total interest expense
  • $1,386Net interest income
  • $0Provision for loan and lease losses
  • $353Total noninterest income
  • $0Fiduciary activities
  • $216Service charges on deposit accounts
  • $0Trading account gains & fees
  • $137Additional noninterest income
  • $1,220Total noninterest expense
  • $730Salaries and employee benefits
  • $116Premises and equipment expense
  • $374Additional noninterest expense
  • $519Pre-tax net operating income
  • $66Securities gains (losses)
  • $0Applicable income taxes
  • $585Income before extraordinary items
  • $0Extraordinary gains - net
  • $585Net income attributable to bank
  • $0Net charge-offs
  • $585Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $327Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 1.37%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 13.69%Return on equity (ROE)
  • 6.04%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 86.50%Efficiency ratio
  • 70,155Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.90%Loss allowance to loans
  • 1.70%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
  • 41.41%Net loans and leases to core deposits
  • 44.93%Equity capital to assets
  • 11.85%Core capital (leverage) ratio
  • 10.88%Tier 1 risk-based capital ratio
  • 21.15%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $37,865Average earning assets
  • $4,273Average equity
  • $36,330Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02101The First National Bank Of Hico135 North Pecan, Hico, TX 76457July 01, 1890Full Service Brick and Mortar

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