The First National Bank of Hughes Springs in Hughes Springs, Texas (TX)

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The First National Bank of Hughes Springs routing number info

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The First National Bank of Hughes Springs
GeneralFDIC 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
LocationAddress: 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 ChangesOffice Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)82
Total assets$186,451
Cash and due from depository institutions$6,927
Interest-bearing balances$1,722
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$109,392
Loan loss allowance $1,745
Trading account assets$0
Bank premises and fixed assets$3,125
Other real estate owned$413
Goodwill and other intangibles$176
All other assets$8,666
Life insurance assets$186,451
Total liabilities and capital$158,081
Total liabilities$153,736
Total deposits$140,939
Interest-bearing deposits$153,736
Deposits held in domestic offices$82
% insured (estimated)4175.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $170
All other liabilities $28,370
Total equity capital$28,370
Total bank equity capital$28,370
Perpetual preferred stock$0
Common stock$455
Undivided profits $18,276
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 $804
Earning assets $0
Long-term assets (5+ years) $1,428
Average Assets, year-to-date $168,866
Average Assets, quarterly $62,519
Volatile liabilities $187,903
Insider loans $184,076
FHLB advances $117,869
Loans and leases held for sale $184,247
Unused loan commitments $6,263
Tier 1 (core) risk-based capital $6,263
Tier 2 risk-based capital $25,346
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,727
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,385
Total interest expense $521
Net interest income $8,864
Provision for loan and lease losses $13
Total noninterest income $1,260
Fiduciary activities $0
Service charges on deposit accounts $617
Trading account gains & fees $0
Additional noninterest income $643
Total noninterest expense $5,676
Salaries and employee benefits $3,773
Premises and equipment expense $626
Additional noninterest expense $1,277
Pre-tax net operating income $4,435
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $4,435
Extraordinary gains - net $0
Net income attributable to bank $4,435
Net charge-offs $0
Cash dividends $4,435
Sale, conversion, retirement of capital stock, net -$219
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.50%
Cost of funding earning assets 0.31%
Net interest margin 5.19%
Noninterest income to earning assets 0.74%
Noninterest expense to earning assets 3.32%
Net operating income to assets 2.36%
Return on assets (ROA) 2.36%
Pretax return on assets 2.36%
Return on equity (ROE) 18.65%
Retained earnings to average equity (YTD only) 18.65%
Net charge-offs to loans -0.21%
Credit loss provision to net charge-offs -5.94%
Efficiency ratio0.00%
Assets per employee$55,877
Cash dividends to net income (YTD only)2.27%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.57%
Noncurrent assets plus other real estate owned to assets 217.04%
Noncurrent loans to loans 0.65%
Net loans and leases to deposits0.72%
Net loans and leases to core deposits 71.16%
Equity capital to assets 76.96%
Core capital (leverage) ratio 15.22%
Tier 1 risk-based capital ratio 13.76%
Total risk-based capital ratio 21.50%
Average assets$23
Average earning assets$187,903
Average equity $23,786
Average loans $170,719
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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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