The First National Bank of Kemp in Kemp, Texas (TX)



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The First National Bank of Kemp routing number info

Table of contents:
The First National Bank of Kemp
GeneralFDIC Certificate #: 3281
Status: Active
Federal Reserve ID: 608451
Date Established: August 03, 1901
WWW: http://www.fnbkemp.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: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 2120
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 29, 2010
Last Structure Change Process Date: May 21, 2010
Last Data Update: May 21, 2010
Data Source Date: April 05, 2012
LocationAddress: 100 South State Highway 274, Kemp, TX 75143
County: Henderson
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
Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Athens, TX (#11980)
CBSA Micro Statistical Area: Yes
History of ChangesCorrections
Change in Location
Financial SummaryTotal assets: $54.5 mil
Equity capital: $5.9 mil
Deposits held in domestic offices: $48.0 mil
Return on assets (ROA): 0.38% ($0.2 mil)
Quarterly return on assets: 0.71% ($0.4 mil)
Return on Equity (ROE): 3.60% ($0.2 mil)
Quarterly return on equity: 6.50% ($0.4 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.38% ($207.0 mil)
Quarterly Pretax return on assets: 0.71% ($386.9 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)23
Total assets$54,486
Cash and due from depository institutions$8,034
Interest-bearing balances$6,121
Securities$15,230
Federal funds sold & reverse repurchase agreements$1,530
Net loans & leases$21,961
Loan loss allowance $501
Trading account assets$0
Bank premises and fixed assets$4,783
Other real estate owned$666
Goodwill and other intangibles$0
All other assets$2,282
Life insurance assets$54,486
Total liabilities and capital$48,558
Total liabilities$48,023
Total deposits$33,876
Interest-bearing deposits$48,023
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $535
All other liabilities $5,928
Total equity capital$5,928
Total bank equity capital$5,928
Perpetual preferred stock$0
Common stock$1,020
Surplus$1,020
Undivided profits $3,888
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 $170
Earning assets $0
Long-term assets (5+ years) $161
Average Assets, year-to-date $44,842
Average Assets, quarterly $14,426
Volatile liabilities $55,108
Insider loans $54,450
FHLB advances $28,900
Loans and leases held for sale $54,038
Unused loan commitments $1,510
Tier 1 (core) risk-based capital $1,510
Tier 2 risk-based capital $5,690
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $735
Derivatives$337
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,062
Total interest expense $223
Net interest income $1,839
Provision for loan and lease losses $300
Total noninterest income $799
Fiduciary activities $0
Service charges on deposit accounts $513
Trading account gains & fees $0
Additional noninterest income $286
Total noninterest expense $2,207
Salaries and employee benefits $1,084
Premises and equipment expense $368
Additional noninterest expense $755
Pre-tax net operating income $131
Securities gains (losses) $81
Applicable income taxes $0
Income before extraordinary items $212
Extraordinary gains - net $0
Net income attributable to bank $212
Net charge-offs $0
Cash dividends $212
Sale, conversion, retirement of capital stock, net $256
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 assets4.57%
Cost of funding earning assets 0.49%
Net interest margin 4.08%
Noninterest income to earning assets 1.77%
Noninterest expense to earning assets 4.89%
Net operating income to assets 0.24%
Return on assets (ROA) 0.38%
Pretax return on assets 0.38%
Return on equity (ROE) 3.60%
Retained earnings to average equity (YTD only) 3.60%
Net charge-offs to loans 1.08%
Credit loss provision to net charge-offs 117.19%
Efficiency ratio1.68%
Assets per employee$83,662
Cash dividends to net income (YTD only)2.37%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.23%
Noncurrent assets plus other real estate owned to assets 294.71%
Noncurrent loans to loans 1.53%
Net loans and leases to deposits0.76%
Net loans and leases to core deposits 45.73%
Equity capital to assets 49.59%
Core capital (leverage) ratio 10.88%
Tier 1 risk-based capital ratio 10.53%
Total risk-based capital ratio 19.69%
Memoranda
Average assets$21
Average earning assets$55,108
Average equity $5,882
Average loans $45,127
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2 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02120The First National Bank Of Kemp100 South State Highway 274, Kemp, TX 75143August 03, 1901Full Service Brick and Mortar
2196260Seven Points Branch11660 Highway 274, Seven Points, TX 75143April 25, 1994Full Service Brick and Mortar
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