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

The First National Bank of Seymour - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 14Total employees (full-time equivalent)
  • $46,040Total assets
  • $2,981Cash and due from depository institutions
  • $0Interest-bearing balances
  • $33,114Securities
  • $700Federal funds sold & reverse repurchase agreements
  • $8,778Net loans & leases
  • $158Loan loss allowance
  • $0Trading account assets
  • $42Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $46,040Life insurance assets
  • $425All other assets
  • $41,637Total liabilities and capital
  • $41,584Total liabilities
  • $22,547Total deposits
  • $41,584Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $53Subordinated debt
  • $4,403All other liabilities
  • $4,403Total equity capital
  • $4,403Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $1,550Surplus
  • $2,603Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $239Long-term assets (5+ years)
  • $42,592Average Assets, year-to-date
  • $33,546Average Assets, quarterly
  • $45,469Volatile liabilities
  • $46,519Insider loans
  • $16,525FHLB advances
  • $46,703Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,500Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,969Restructured Loans and leases
  • $41Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,128Total interest income
  • $152Total interest expense
  • $976Net interest income
  • $0Provision for loan and lease losses
  • $310Total noninterest income
  • $52Fiduciary activities
  • $232Service charges on deposit accounts
  • $0Trading account gains & fees
  • $26Additional noninterest income
  • $1,106Total noninterest expense
  • $598Salaries and employee benefits
  • $76Premises and equipment expense
  • $432Additional noninterest expense
  • $180Pre-tax net operating income
  • $378Securities gains (losses)
  • $195Applicable income taxes
  • $363Income before extraordinary items
  • $0Extraordinary gains - net
  • $363Net income attributable to bank
  • $0Net charge-offs
  • $363Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $363Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.72%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 2.35%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 2.66%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 8.04%Return on equity (ROE)
  • 0.00%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 ratio
  • 86,003Assets per employee
  • 3.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.00%Loss allowance to loans
  • 1.77%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 21.11%Net loans and leases to core deposits
  • 21.37%Equity capital to assets
  • 9.56%Core capital (leverage) ratio
  • 9.64%Tier 1 risk-based capital ratio
  • 27.23%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $45,469Average earning assets
  • $4,513Average equity
  • $41,529Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $5,268Managed Assets
  • 1Number of Accounts
  • $5,268Personal trust and agency accounts
  • $5,268Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 29Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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