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


The First National Bank of McGregor - Overview

  • General
  • FDIC Certificate #: 3330
    Status: Active
    Federal Reserve ID: 895055
    Date Established: January 01, 1889
    WWW: http://www.fnb-mcgregor.com
    Trust Powers Granted: Yes
    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 #: 2154
    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: 401 South Main Street, Mc Gregor, TX 76657
    County: Mclennan
    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): Waco, TX (#8800)
    Core Based Statistical Area (CBSA): Waco, TX (#47380)
    CBSA Metro Statistical Area: Waco, TX (#47380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $117.6 mil
    Equity capital: $9.9 mil
    Deposits held in domestic offices: $107.3 mil
    Return on assets (ROA): 0.48% ($0.6 mil)
    Quarterly return on assets: 0.46% ($0.5 mil)
    Return on Equity (ROE): 5.69% ($0.6 mil)
    Quarterly return on equity: 5.51% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.74% ($870.1 mil)
    Quarterly Pretax return on assets: 0.74% ($870.1 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
  • 32Total employees (full-time equivalent)
  • $117,587Total assets
  • $6,173Cash and due from depository institutions
  • $3,699Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $105,742Net loans & leases
  • $1,194Loan loss allowance
  • $0Trading account assets
  • $4,009Bank premises and fixed assets
  • $274Other real estate owned
  • $0Goodwill and other intangibles
  • $117,587Life insurance assets
  • $1,389All other assets
  • $107,648Total liabilities and capital
  • $107,251Total liabilities
  • $92,938Total deposits
  • $107,251Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $397Subordinated debt
  • $9,939All other liabilities
  • $9,939Total equity capital
  • $9,939Total bank equity capital
  • $0Perpetual preferred stock
  • $354Common stock
  • $1,046Surplus
  • $8,539Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $546Income earned, not collected on loans
  • $111Earning assets
  • $441Long-term assets (5+ years)
  • $109,441Average Assets, year-to-date
  • $28,673Average Assets, quarterly
  • $114,384Volatile liabilities
  • $118,200Insider loans
  • $87,828FHLB advances
  • $118,185Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,939Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,441Restructured Loans and leases
  • $125Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,401Total interest income
  • $1,070Total interest expense
  • $5,331Net interest income
  • $454Provision for loan and lease losses
  • $739Total noninterest income
  • $61Fiduciary activities
  • $483Service charges on deposit accounts
  • $0Trading account gains & fees
  • $195Additional noninterest income
  • $4,770Total noninterest expense
  • $2,523Salaries and employee benefits
  • $736Premises and equipment expense
  • $1,511Additional noninterest expense
  • $846Pre-tax net operating income
  • $0Securities gains (losses)
  • $296Applicable income taxes
  • $550Income before extraordinary items
  • $0Extraordinary gains - net
  • $550Net income attributable to bank
  • $0Net charge-offs
  • $550Cash dividends
  • $244Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.03%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 5.02%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 4.49%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 5.69%Return on equity (ROE)
  • 5.69%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 186.07%Credit loss provision to net charge-offs
  • 5.33%Efficiency ratio
  • 78,583Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 218.68%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.51%Net loans and leases to deposits
  • 98.59%Net loans and leases to core deposits
  • 140.81%Equity capital to assets
  • 8.45%Core capital (leverage) ratio
  • 8.41%Tier 1 risk-based capital ratio
  • 11.32%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $114,384Average earning assets
  • $9,667Average equity
  • $106,198Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $7,103Managed Assets
  • 1Number of Accounts
  • $6,989Personal trust and agency accounts
  • $6,989Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 29Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $114Other retirement accounts
  • $114Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02154The First National Bank Of Mcgregor401 South Main Street, Mc Gregor, TX 76657January 01, 1889Full Service Brick and Mortar
    1491488South Bosque Branch27000 Hwy 84, Mc Gregor, TX 76657July 24, 2006Full Service Brick and Mortar

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