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

The First National Bank of Lipan - Overview

  • General
  • FDIC Certificate #: 3303
    Status: Active
    Federal Reserve ID: 811457
    Date Established: January 01, 1907
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 2139
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 East Lipan Drive, Lipan, TX 76462
    County: Hood
    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): Fort Worth-Arlington, TX (#2800)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Granbury, TX (#24180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $17.5 mil
    Equity capital: $1.6 mil
    Deposits held in domestic offices: $15.9 mil
    Return on assets (ROA): 0.25% ($0.0 mil)
    Quarterly return on assets: 0.09% ($0.0 mil)
    Return on Equity (ROE): 2.73% ($0.1 mil)
    Quarterly return on equity: 1.01% ($0.0 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.25% ($43.7 mil)
    Quarterly Pretax return on assets: 0.07% ($12.2 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
  • 8Total employees (full-time equivalent)
  • $17,481Total assets
  • $3,266Cash and due from depository institutions
  • $0Interest-bearing balances
  • $1,500Securities
  • $4,110Federal funds sold & reverse repurchase agreements
  • $8,302Net loans & leases
  • $90Loan loss allowance
  • $0Trading account assets
  • $88Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $17,481Life insurance assets
  • $215All other assets
  • $15,890Total liabilities and capital
  • $15,859Total liabilities
  • $9,223Total deposits
  • $15,859Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $31Subordinated debt
  • $1,591All other liabilities
  • $1,591Total equity capital
  • $1,591Total bank equity capital
  • $0Perpetual preferred stock
  • $25Common stock
  • $425Surplus
  • $1,141Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2Income earned, not collected on loans
  • $0Earning assets
  • $47Long-term assets (5+ years)
  • $13,912Average Assets, year-to-date
  • $1,037Average Assets, quarterly
  • $17,109Volatile liabilities
  • $17,342Insider loans
  • $9,109FHLB advances
  • $17,237Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,591Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $76Restructured Loans and leases
  • $357Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $668Total interest income
  • $79Total interest expense
  • $589Net interest income
  • $0Provision for loan and lease losses
  • $122Total noninterest income
  • $0Fiduciary activities
  • $23Service charges on deposit accounts
  • $0Trading account gains & fees
  • $99Additional noninterest income
  • $668Total noninterest expense
  • $339Salaries and employee benefits
  • $66Premises and equipment expense
  • $263Additional noninterest expense
  • $43Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $43Income before extraordinary items
  • $0Extraordinary gains - net
  • $43Net income attributable to bank
  • $0Net charge-offs
  • $43Cash dividends
  • $28Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 4.71%Noninterest expense to earning assets
  • 0.25%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.25%Pretax return on assets
  • 2.73%Return on equity (ROE)
  • 2.73%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1.54%Efficiency ratio
  • 93,952Assets per employee
  • 2.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 4500.00%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 52.35%Net loans and leases to core deposits
  • 54.46%Equity capital to assets
  • 9.10%Core capital (leverage) ratio
  • 9.23%Tier 1 risk-based capital ratio
  • 17.47%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $17,109Average earning assets
  • $1,577Average equity
  • $14,197Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02139The First National Bank Of Lipan101 East Lipan Drive, Lipan, TX 76462January 01, 1907Full Service Brick and Mortar

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