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

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The First National Bank of Paducah routing number info

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The First National Bank of Paducah
GeneralFDIC Certificate #: 3377
Status: Active
Federal Reserve ID: 1014965
Bank Holding Company (Regulatory Top Holder): First Paducah Bancshares Of Texas (RSSDID: 2341565, Location: Paducah, TX)
Date Established: January 01, 1909
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 #: 2194
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural 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: Tenth And Bacus Streets, Paducah, TX 79248
County: Cottle
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Lubbock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $55.9 mil
Equity capital: $4.0 mil
Deposits held in domestic offices: $51.9 mil
Return on assets (ROA): -1.76% (-$1.0 mil)
Quarterly return on assets: -0.57% (-$0.3 mil)
Return on Equity (ROE): -22.63% (-$0.9 mil)
Quarterly return on equity: -7.90% (-$0.3 mil)
Net income: -$1.0 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: -1.76% (-$983.6 mil)
Quarterly Pretax return on assets: -0.57% (-$318.6 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)13
Total assets$55,886
Cash and due from depository institutions$4,914
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$15,800
Net loans & leases$14,934
Loan loss allowance $229
Trading account assets$0
Bank premises and fixed assets$79
Other real estate owned$115
Goodwill and other intangibles$19
All other assets$582
Life insurance assets$55,886
Total liabilities and capital$51,930
Total liabilities$51,852
Total deposits$41,892
Interest-bearing deposits$51,852
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $78
All other liabilities $3,956
Total equity capital$3,956
Total bank equity capital$3,956
Perpetual preferred stock$0
Common stock$300
Undivided profits $3,356
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 $591
Earning assets $0
Long-term assets (5+ years) $431
Average Assets, year-to-date $50,177
Average Assets, quarterly $7,102
Volatile liabilities $56,327
Insider loans $55,789
FHLB advances $24,255
Loans and leases held for sale $54,618
Unused loan commitments $16
Tier 1 (core) risk-based capital $16
Tier 2 risk-based capital $3,913
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,416
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,506
Total interest expense $504
Net interest income $1,002
Provision for loan and lease losses $1,104
Total noninterest income $114
Fiduciary activities $0
Service charges on deposit accounts $66
Trading account gains & fees $0
Additional noninterest income $48
Total noninterest expense $1,002
Salaries and employee benefits $477
Premises and equipment expense $89
Additional noninterest expense $436
Pre-tax net operating income -$990
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$990
Extraordinary gains - net $0
Net income attributable to bank -$990
Net charge-offs $0
Cash dividends -$990
Sale, conversion, retirement of capital stock, net $1,113
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 assets2.97%
Cost of funding earning assets 0.99%
Net interest margin 1.97%
Noninterest income to earning assets 0.22%
Noninterest expense to earning assets 1.97%
Net operating income to assets -1.76%
Return on assets (ROA) -1.76%
Pretax return on assets -1.76%
Return on equity (ROE) -22.63%
Retained earnings to average equity (YTD only) -22.63%
Net charge-offs to loans 6.73%
Credit loss provision to net charge-offs 99.19%
Efficiency ratio0.10%
Assets per employee$89,068
Cash dividends to net income (YTD only)4.30%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.51%
Noncurrent assets plus other real estate owned to assets 38.75%
Noncurrent loans to loans 1.26%
Net loans and leases to deposits3.90%
Net loans and leases to core deposits 28.80%
Equity capital to assets 29.98%
Core capital (leverage) ratio 7.08%
Tier 1 risk-based capital ratio 7.16%
Total risk-based capital ratio 16.13%
Average assets$17
Average earning assets$56,327
Average equity $4,374
Average loans $50,782
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02194The First National Bank Of PaducahTenth And Bacus Streets, Paducah, TX 79248January 01, 1909Full Service Brick and Mortar
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