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

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

  • General
  • FDIC Certificate #: 3274
    Status: Active
    Federal Reserve ID: 597751
    Bank Holding Company (Regulatory Top Holder): Highlands Bancshares, Inc. (RSSDID: 3472411, Location: Dallas, TX)
    Date Established: January 01, 1890
    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: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 2115
    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: No
    Asset Concentration Hierarchy: Commercial Lending 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: 201 South Main Street, Jacksboro, TX 76458
    County: Jack
    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: $512.1 mil
    Equity capital: $71.2 mil
    Deposits held in domestic offices: $385.0 mil
    Return on assets (ROA): 0.37% ($1.9 mil)
    Quarterly return on assets: 0.44% ($2.3 mil)
    Return on Equity (ROE): 2.54% ($1.8 mil)
    Quarterly return on equity: 3.15% ($2.2 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.37% ($1,894.8 mil)
    Quarterly Pretax return on assets: 0.44% ($2,253.3 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)
  • $512,115Total assets
  • $88,750Cash and due from depository institutions
  • $82,208Interest-bearing balances
  • $99,374Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $296,376Net loans & leases
  • $4,393Loan loss allowance
  • $0Trading account assets
  • $3,938Bank premises and fixed assets
  • $1,875Other real estate owned
  • $9,841Goodwill and other intangibles
  • $512,115Life insurance assets
  • $11,961All other assets
  • $440,940Total liabilities and capital
  • $384,997Total liabilities
  • $303,914Total deposits
  • $384,997Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 54183.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,760Subordinated debt
  • $71,175All other liabilities
  • $71,175Total equity capital
  • $71,175Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $81,440Surplus
  • $-10,565Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $17,732Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,908Income earned, not collected on loans
  • $283Earning assets
  • $1,882Long-term assets (5+ years)
  • $477,958Average Assets, year-to-date
  • $134,903Average Assets, quarterly
  • $486,928Volatile liabilities
  • $509,852Insider loans
  • $346,689FHLB advances
  • $504,458Loans and leases held for sale
  • $5,160Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $60,397Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,160Total unused commitments
  • $54,433Restructured Loans and leases
  • $1,500Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,333Total interest income
  • $6,048Total interest expense
  • $14,285Net interest income
  • $395Provision for loan and lease losses
  • $1,666Total noninterest income
  • $0Fiduciary activities
  • $999Service charges on deposit accounts
  • $0Trading account gains & fees
  • $667Additional noninterest income
  • $13,753Total noninterest expense
  • $7,594Salaries and employee benefits
  • $2,399Premises and equipment expense
  • $3,760Additional noninterest expense
  • $1,803Pre-tax net operating income
  • -$1Securities gains (losses)
  • $24Applicable income taxes
  • $1,778Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,778Net income attributable to bank
  • $0Net charge-offs
  • $1,778Cash dividends
  • $482Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 3.14%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 3.03%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.37%Pretax return on assets
  • 2.54%Return on equity (ROE)
  • 2.54%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 81.95%Credit loss provision to net charge-offs
  • 4.56%Efficiency ratio
  • 82,233Assets per employee
  • 6.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 112.41%Noncurrent assets plus other real estate owned to assets
  • 1.13%Noncurrent loans to loans
  • 1.30%Net loans and leases to deposits
  • 76.98%Net loans and leases to core deposits
  • 83.24%Equity capital to assets
  • 13.90%Core capital (leverage) ratio
  • 11.97%Tier 1 risk-based capital ratio
  • 17.42%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $486,928Average earning assets
  • $70,004Average equity
  • $454,410Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02115The First National Bank Of Jacksboro201 South Main Street, Jacksboro, TX 76458January 01, 1890Full Service Brick and Mortar
    1196256Runaway Bay Branch1055 Highway 380, Runaway Bay, TX 76426Febuary 18, 1997Full Service Brick and Mortar
    3466508Highlands Bank Of Dallas Branch8411 Preston Road, Dallas, TX 75225May 11, 2007Full Service Brick and Mortar
    4468010Preston Road Branch10720 Preston Road, Dallas, TX 75205August 03, 2007Full Service Brick and Mortar
    5473070The Highlands Bank Of Dallas Branch5941 Forest Lane, Dallas, TX 75230January 23, 2008Full Service Brick and Mortar

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