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

This bank is inactive as of Febuary 29, 2008

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

  • General
  • FDIC Certificate #: 5521
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Comanche National Bank (#3145)
    Federal Reserve ID: 399067
    Date Established: April 06, 1906
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 3750
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 29, 2008
    Last Structure Change Process Date: March 12, 2008
    Last Data Update: March 12, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Santo, TX 76472
    County: Palo Pinto
    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
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Mineral Wells, TX (#33420)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $82.7 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, 2007)

  • Dollar figures in thousands
  • 29Total employees (full-time equivalent)
  • $82,744Total assets
  • $3,480Cash and due from depository institutions
  • $0Interest-bearing balances
  • $33,128Securities
  • $5,035Federal funds sold & reverse repurchase agreements
  • $34,666Net loans & leases
  • $1,703Loan loss allowance
  • $0Trading account assets
  • $758Bank premises and fixed assets
  • $0Other real estate owned
  • $5,155Goodwill and other intangibles
  • $0Life insurance assets
  • $522All other assets
  • $82,744Total liabilities and capital
  • $71,452Total liabilities
  • $70,902Total deposits
  • $56,583Interest-bearing deposits
  • $70,902Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $550All other liabilities
  • $11,292Total equity capital
  • $11,292Total bank equity capital
  • $11,292Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $4,238Undivided profits
  • Memoranda
  • $6,954Noncurrent loans and leases
  • $2,099Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $488Earning assets
  • $0Long-term assets (5+ years)
  • $318Average Assets, year-to-date
  • $72,829Average Assets, quarterly
  • $29,775Volatile liabilities
  • $79,115Insider loans
  • $79,620FHLB advances
  • $17,312Loans and leases held for sale
  • $356Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,099Total unused commitments
  • $0Restructured Loans and leases
  • $515Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $4,775Total interest income
  • $1,805Total interest expense
  • $2,970Net interest income
  • $0Provision for loan and lease losses
  • $513Total noninterest income
  • $0Fiduciary activities
  • $407Service charges on deposit accounts
  • $0Trading account gains & fees
  • $106Additional noninterest income
  • $2,501Total noninterest expense
  • $1,258Salaries and employee benefits
  • $119Premises and equipment expense
  • $1,124Additional noninterest expense
  • $982Pre-tax net operating income
  • $0Securities gains (losses)
  • $388Applicable income taxes
  • $594Income before extraordinary items
  • $0Extraordinary gains - net
  • $594Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $304Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.92%Yield on earning assets
  • 2.62%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 3.63%Noninterest expense to earning assets
  • 0.75%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 5.35%Return on equity (ROE)
  • 1.75%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 3.23%Efficiency ratio
  • 66,035Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.34%Loss allowance to loans
  • 4.68%Loss allowance to noncurrent loans
  • 348.98%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 1.34%Net loans and leases to deposits
  • 48.89%Net loans and leases to core deposits
  • 64.69%Equity capital to assets
  • 13.65%Core capital (leverage) ratio
  • 8.04%Tier 1 risk-based capital ratio
  • 14.69%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $79,115Average earning assets
  • $11,101Average equity
  • $68,975Average loans

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