The First National Bank of McGregor in Mc Gregor, Texas (TX)



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The First National Bank of McGregor routing number info

Table of contents:
The First National Bank of McGregor
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)32
Total assets$117,587
Cash and due from depository institutions$6,173
Interest-bearing balances$3,699
Securities$0
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$105,742
Loan loss allowance $1,194
Trading account assets$0
Bank premises and fixed assets$4,009
Other real estate owned$274
Goodwill and other intangibles$0
All other assets$1,389
Life insurance assets$117,587
Total liabilities and capital$107,648
Total liabilities$107,251
Total deposits$92,938
Interest-bearing deposits$107,251
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $397
All other liabilities $9,939
Total equity capital$9,939
Total bank equity capital$9,939
Perpetual preferred stock$0
Common stock$354
Surplus$1,046
Undivided profits $8,539
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 $546
Earning assets $111
Long-term assets (5+ years) $441
Average Assets, year-to-date $109,441
Average Assets, quarterly $28,673
Volatile liabilities $114,384
Insider loans $118,200
FHLB advances $87,828
Loans and leases held for sale $118,185
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $9,939
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,441
Derivatives$125
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,401
Total interest expense $1,070
Net interest income $5,331
Provision for loan and lease losses $454
Total noninterest income $739
Fiduciary activities $61
Service charges on deposit accounts $483
Trading account gains & fees $0
Additional noninterest income $195
Total noninterest expense $4,770
Salaries and employee benefits $2,523
Premises and equipment expense $736
Additional noninterest expense $1,511
Pre-tax net operating income $846
Securities gains (losses) $0
Applicable income taxes $296
Income before extraordinary items $550
Extraordinary gains - net $0
Net income attributable to bank $550
Net charge-offs $0
Cash dividends $550
Sale, conversion, retirement of capital stock, net $244
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 assets6.03%
Cost of funding earning assets 1.01%
Net interest margin 5.02%
Noninterest income to earning assets 0.70%
Noninterest expense to earning assets 4.49%
Net operating income to assets 0.48%
Return on assets (ROA) 0.48%
Pretax return on assets 0.74%
Return on equity (ROE) 5.69%
Retained earnings to average equity (YTD only) 5.69%
Net charge-offs to loans 0.24%
Credit loss provision to net charge-offs 186.07%
Efficiency ratio5.33%
Assets per employee$78,583
Cash dividends to net income (YTD only)3.67%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.12%
Noncurrent assets plus other real estate owned to assets 218.68%
Noncurrent loans to loans 0.70%
Net loans and leases to deposits0.51%
Net loans and leases to core deposits 98.59%
Equity capital to assets 140.81%
Core capital (leverage) ratio 8.45%
Tier 1 risk-based capital ratio 8.41%
Total risk-based capital ratio 11.32%
Memoranda
Average assets$13
Average earning assets$114,384
Average equity $9,667
Average loans $106,198
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$7,103
Number of Accounts1
Personal trust and agency accounts$6,989
Employee benefit-defined contribution accounts$6,989
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts29
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$114
Corporate trust and agency accounts$114
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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