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

This bank is inactive as of October 02, 2000

  • The First National Bank of Pecos in Pecos, Texas (TX)
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The First National Bank of Pecos - Overview

  • General
  • FDIC Certificate #: 3385
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: West Texas National Bank (#16896)
    Federal Reserve ID: 724360
    Date Established: June 28, 1907
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 2201
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 02, 2000
    Last Structure Change Process Date: November 30, 2000
    Last Data Update: November 30, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 112 East Sixth Street, Pecos, TX 79772
    County: Reeves
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Albuquerque
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Pecos, TX (#37780)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $84.1 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 40Total employees (full-time equivalent)
  • $85,741Total assets
  • $7,144Cash and due from depository institutions
  • $0Interest-bearing balances
  • $46,152Securities
  • $2,900Federal funds sold & reverse repurchase agreements
  • $25,269Net loans & leases
  • $784Loan loss allowance
  • $0Trading account assets
  • $808Bank premises and fixed assets
  • $0Other real estate owned
  • $2,240Goodwill and other intangibles
  • $0Life insurance assets
  • $1,228All other assets
  • $85,741Total liabilities and capital
  • $78,682Total liabilities
  • $78,020Total deposits
  • $62,419Interest-bearing deposits
  • $78,020Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $400Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $262All other liabilities
  • $7,059Total equity capital
  • $7,059Total bank equity capital
  • $7,059Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $3,275Undivided profits
  • Memoranda
  • $2,784Noncurrent loans and leases
  • $3,619Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,533Earning assets
  • $164Long-term assets (5+ years)
  • $333Average Assets, year-to-date
  • $74,321Average Assets, quarterly
  • $29,644Volatile liabilities
  • $88,158Insider loans
  • $85,359FHLB advances
  • $13,608Loans and leases held for sale
  • $4,734Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,619Total unused commitments
  • $0Restructured Loans and leases
  • $481Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $5,401Total interest income
  • $2,543Total interest expense
  • $2,858Net interest income
  • $590Provision for loan and lease losses
  • $500Total noninterest income
  • $0Fiduciary activities
  • $459Service charges on deposit accounts
  • $0Trading account gains & fees
  • $41Additional noninterest income
  • $2,449Total noninterest expense
  • $1,087Salaries and employee benefits
  • $270Premises and equipment expense
  • $1,092Additional noninterest expense
  • $319Pre-tax net operating income
  • -$2Securities gains (losses)
  • $19Applicable income taxes
  • $298Income before extraordinary items
  • $0Extraordinary gains - net
  • $298Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $489Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.88%Yield on earning assets
  • 3.24%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 4.08%Return on equity (ROE)
  • 1.34%Retained earnings to average equity (YTD only)
  • 1.76%Net charge-offs to loans
  • 120.65%Credit loss provision to net charge-offs
  • 1.86%Efficiency ratio
  • 70,101Assets per employee
  • 2.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.11%Loss allowance to loans
  • 3.01%Loss allowance to noncurrent loans
  • 51.14%Noncurrent assets plus other real estate owned to assets
  • 1.79%Noncurrent loans to loans
  • 5.88%Net loans and leases to deposits
  • 32.39%Net loans and leases to core deposits
  • 38.99%Equity capital to assets
  • 8.23%Core capital (leverage) ratio
  • 7.32%Tier 1 risk-based capital ratio
  • 16.07%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $88,158Average earning assets
  • $7,302Average equity
  • $78,557Average loans

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