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



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The First National Bank of Seymour routing number info

Table of contents:
The First National Bank of Seymour
GeneralFDIC Certificate #: 5525
Status: Active
Federal Reserve ID: 402462
Bank Holding Company (Regulatory Top Holder): Baylor Bancshares, Inc. (RSSDID: 1104307, Location: Seymour, TX)
Date Established: March 05, 1890
WWW: http://www.fnbseymour.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 #: 3754
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: No
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: 201 North Washington Street, Seymour, TX 76380
County: Baylor
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $46.0 mil
Equity capital: $4.4 mil
Deposits held in domestic offices: $41.6 mil
Return on assets (ROA): 0.80% ($0.4 mil)
Quarterly return on assets: 0.57% ($0.3 mil)
Return on Equity (ROE): 8.04% ($0.3 mil)
Quarterly return on equity: 5.76% ($0.2 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.23% ($566.3 mil)
Quarterly Pretax return on assets: 0.89% ($409.8 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)14
Total assets$46,040
Cash and due from depository institutions$2,981
Interest-bearing balances$0
Securities$33,114
Federal funds sold & reverse repurchase agreements$700
Net loans & leases$8,778
Loan loss allowance $158
Trading account assets$0
Bank premises and fixed assets$42
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$425
Life insurance assets$46,040
Total liabilities and capital$41,637
Total liabilities$41,584
Total deposits$22,547
Interest-bearing deposits$41,584
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $53
All other liabilities $4,403
Total equity capital$4,403
Total bank equity capital$4,403
Perpetual preferred stock$0
Common stock$250
Surplus$1,550
Undivided profits $2,603
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 $0
Earning assets $0
Long-term assets (5+ years) $239
Average Assets, year-to-date $42,592
Average Assets, quarterly $33,546
Volatile liabilities $45,469
Insider loans $46,519
FHLB advances $16,525
Loans and leases held for sale $46,703
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,500
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,969
Derivatives$41
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,128
Total interest expense $152
Net interest income $976
Provision for loan and lease losses $0
Total noninterest income $310
Fiduciary activities $52
Service charges on deposit accounts $232
Trading account gains & fees $0
Additional noninterest income $26
Total noninterest expense $1,106
Salaries and employee benefits $598
Premises and equipment expense $76
Additional noninterest expense $432
Pre-tax net operating income $180
Securities gains (losses) $378
Applicable income taxes $195
Income before extraordinary items $363
Extraordinary gains - net $0
Net income attributable to bank $363
Net charge-offs $0
Cash dividends $363
Sale, conversion, retirement of capital stock, net $0
Net operating income $363
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets2.72%
Cost of funding earning assets 0.37%
Net interest margin 2.35%
Noninterest income to earning assets 0.75%
Noninterest expense to earning assets 2.66%
Net operating income to assets 0.26%
Return on assets (ROA) 0.80%
Pretax return on assets 1.23%
Return on equity (ROE) 8.04%
Retained earnings to average equity (YTD only) 0.00%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$86,003
Cash dividends to net income (YTD only)3.29%
Condition Ratios (%)
Loss allowance to loans 100.00%
Loss allowance to noncurrent loans 1.77%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 21.11%
Equity capital to assets 21.37%
Core capital (leverage) ratio 9.56%
Tier 1 risk-based capital ratio 9.64%
Total risk-based capital ratio 27.23%
Memoranda
Average assets$28
Average earning assets$45,469
Average equity $4,513
Average loans $41,529
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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$5,268
Number of Accounts1
Personal trust and agency accounts$5,268
Employee benefit-defined contribution accounts$5,268
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$0
Corporate trust and agency accounts$0
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
03754The First National Bank Of Seymour201 North Washington Street, Seymour, TX 76380March 05, 1890Full Service Brick and Mortar
1825Matador Branch Fnb Seymour1025 Main St., Matador, TX 79244January 01, 1907Full Service Brick and Mortar
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