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

The First National Bank of Hughes Springs - Overview

  • General
  • FDIC Certificate #: 3268
    Status: Active
    Federal Reserve ID: 849357
    Bank Holding Company (Regulatory Top Holder): Chalybeate Springs Corporation (RSSDID: 1838068, Location: Hughes Springs, TX)
    Date Established: June 03, 1903
    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: 11 (Domestic: 9, Interstate: No)
    OTS Docket #: 10026
    FDIC's unique #: 2110
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 2012
    Last Structure Change Process Date: Febuary 07, 2012
    Last Data Update: Febuary 07, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 418 East First Street, Hughes Springs, TX 75656
    County: Cass
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $186.5 mil
    Equity capital: $28.4 mil
    Deposits held in domestic offices: $153.7 mil
    Return on assets (ROA): 2.36% ($4.4 mil)
    Quarterly return on assets: 2.71% ($5.0 mil)
    Return on Equity (ROE): 18.65% ($5.2 mil)
    Quarterly return on equity: 18.23% ($5.1 mil)
    Net income: $4.4 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 2.36% ($4,400.2 mil)
    Quarterly Pretax return on assets: 2.71% ($5,052.8 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
  • 82Total employees (full-time equivalent)
  • $186,451Total assets
  • $6,927Cash and due from depository institutions
  • $1,722Interest-bearing balances
  • $57,752Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $109,392Net loans & leases
  • $1,745Loan loss allowance
  • $0Trading account assets
  • $3,125Bank premises and fixed assets
  • $413Other real estate owned
  • $176Goodwill and other intangibles
  • $186,451Life insurance assets
  • $8,666All other assets
  • $158,081Total liabilities and capital
  • $153,736Total liabilities
  • $140,939Total deposits
  • $153,736Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 4175.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $170Subordinated debt
  • $28,370All other liabilities
  • $28,370Total equity capital
  • $28,370Total bank equity capital
  • $0Perpetual preferred stock
  • $455Common stock
  • $9,639Surplus
  • $18,276Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $804Income earned, not collected on loans
  • $0Earning assets
  • $1,428Long-term assets (5+ years)
  • $168,866Average Assets, year-to-date
  • $62,519Average Assets, quarterly
  • $187,903Volatile liabilities
  • $184,076Insider loans
  • $117,869FHLB advances
  • $184,247Loans and leases held for sale
  • $6,263Unused loan commitments
  • $6,263Tier 1 (core) risk-based capital
  • $25,346Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,727Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,385Total interest income
  • $521Total interest expense
  • $8,864Net interest income
  • $13Provision for loan and lease losses
  • $1,260Total noninterest income
  • $0Fiduciary activities
  • $617Service charges on deposit accounts
  • $0Trading account gains & fees
  • $643Additional noninterest income
  • $5,676Total noninterest expense
  • $3,773Salaries and employee benefits
  • $626Premises and equipment expense
  • $1,277Additional noninterest expense
  • $4,435Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $4,435Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,435Net income attributable to bank
  • $0Net charge-offs
  • $4,435Cash dividends
  • -$219Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.50%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 5.19%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 2.36%Net operating income to assets
  • 2.36%Return on assets (ROA)
  • 2.36%Pretax return on assets
  • 18.65%Return on equity (ROE)
  • 18.65%Retained earnings to average equity (YTD only)
  • -0.21%Net charge-offs to loans
  • -5.94%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 55,877Assets per employee
  • 2.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 217.04%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 71.16%Net loans and leases to core deposits
  • 76.96%Equity capital to assets
  • 15.22%Core capital (leverage) ratio
  • 13.76%Tier 1 risk-based capital ratio
  • 21.50%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $187,903Average earning assets
  • $23,786Average equity
  • $170,719Average loans

List of branches

  • 11 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02110The First National Bank Of Hughes Sp418 East First Street, Hughes Springs, TX 75656June 03, 1903Full Service Brick and Mortar
    116154Liberty City BranchF.M. 1252 And F.M. 3054, Liberty City, TX 75662March 06, 1980Full Service Brick and Mortar
    25761Omaha Branch200 Big League Bend, Omaha, TX 75571December 20, 1927Full Service Brick and Mortar
    31962Atlanta Branch205 North Louise, Atlanta, TX 75551January 01, 1893Full Service Brick and Mortar
    4196249Daingerfield Branch706 Linda Drive, Daingerfield, TX 75638September 18, 1995Full Service Brick and Mortar
    5196250Atlanta-Queen City Drive-In305 Sthy 59, Queen City, TX 75572January 03, 1994Limited Service Facility
    611015Jefferson Branch202 North Polk Street, Jefferson, TX 75657August 28, 1950Full Service Brick and Mortar
    7452377Harleton Branch17045 State Hwy 154, Harleton, TX 75651January 01, 2006Full Service Brick and Mortar
    8492507Winona Branch315 North Main, Winona, TX 75792May 26, 2009Full Service Brick and Mortar
    916716Redwater Branch1113 Redwater Blvd. West, Redwater, TX 75573July 30, 1982Full Service Brick and Mortar
    10256840Maud Branch406 Broadway, Maud, TX 75567July 05, 1988Full Service Brick and Mortar

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