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

The First National Bank of Kemp - Overview

  • General
  • FDIC Certificate #: 3281
    Status: Active
    Federal Reserve ID: 608451
    Date Established: August 03, 1901
    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
  • Location
  • Address: 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 Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total 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
  • 23Total employees (full-time equivalent)
  • $54,486Total assets
  • $8,034Cash and due from depository institutions
  • $6,121Interest-bearing balances
  • $15,230Securities
  • $1,530Federal funds sold & reverse repurchase agreements
  • $21,961Net loans & leases
  • $501Loan loss allowance
  • $0Trading account assets
  • $4,783Bank premises and fixed assets
  • $666Other real estate owned
  • $0Goodwill and other intangibles
  • $54,486Life insurance assets
  • $2,282All other assets
  • $48,558Total liabilities and capital
  • $48,023Total liabilities
  • $33,876Total deposits
  • $48,023Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $535Subordinated debt
  • $5,928All other liabilities
  • $5,928Total equity capital
  • $5,928Total bank equity capital
  • $0Perpetual preferred stock
  • $1,020Common stock
  • $1,020Surplus
  • $3,888Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $170Income earned, not collected on loans
  • $0Earning assets
  • $161Long-term assets (5+ years)
  • $44,842Average Assets, year-to-date
  • $14,426Average Assets, quarterly
  • $55,108Volatile liabilities
  • $54,450Insider loans
  • $28,900FHLB advances
  • $54,038Loans and leases held for sale
  • $1,510Unused loan commitments
  • $1,510Tier 1 (core) risk-based capital
  • $5,690Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $735Restructured Loans and leases
  • $337Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,062Total interest income
  • $223Total interest expense
  • $1,839Net interest income
  • $300Provision for loan and lease losses
  • $799Total noninterest income
  • $0Fiduciary activities
  • $513Service charges on deposit accounts
  • $0Trading account gains & fees
  • $286Additional noninterest income
  • $2,207Total noninterest expense
  • $1,084Salaries and employee benefits
  • $368Premises and equipment expense
  • $755Additional noninterest expense
  • $131Pre-tax net operating income
  • $81Securities gains (losses)
  • $0Applicable income taxes
  • $212Income before extraordinary items
  • $0Extraordinary gains - net
  • $212Net income attributable to bank
  • $0Net charge-offs
  • $212Cash dividends
  • $256Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.57%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 4.08%Net interest margin
  • 1.77%Noninterest income to earning assets
  • 4.89%Noninterest expense to earning assets
  • 0.24%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.38%Pretax return on assets
  • 3.60%Return on equity (ROE)
  • 3.60%Retained earnings to average equity (YTD only)
  • 1.08%Net charge-offs to loans
  • 117.19%Credit loss provision to net charge-offs
  • 1.68%Efficiency ratio
  • 83,662Assets per employee
  • 2.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.23%Loss allowance to noncurrent loans
  • 294.71%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 45.73%Net loans and leases to core deposits
  • 49.59%Equity capital to assets
  • 10.88%Core capital (leverage) ratio
  • 10.53%Tier 1 risk-based capital ratio
  • 19.69%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $55,108Average earning assets
  • $5,882Average equity
  • $45,127Average loans

List of branches

  • 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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