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

The First National Bank of Shiner - Overview

  • General
  • FDIC Certificate #: 5529
    Status: Active
    Federal Reserve ID: 342362
    Bank Holding Company (Regulatory Top Holder): Industry Bancshares, Inc. (RSSDID: 2112439, Location: Industry, TX)
    Date Established: November 19, 1900
    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 #: 3758
    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: December 09, 2008
    Last Structure Change Process Date: December 10, 2008
    Last Data Update: December 10, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 103 West 7th Street, Shiner, TX 77984
    County: Lavaca
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $195.8 mil
    Equity capital: $21.2 mil
    Deposits held in domestic offices: $164.2 mil
    Return on assets (ROA): 1.47% ($2.9 mil)
    Quarterly return on assets: 1.36% ($2.7 mil)
    Return on Equity (ROE): 13.31% ($2.8 mil)
    Quarterly return on equity: 12.12% ($2.5 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.52% ($2,975.7 mil)
    Quarterly Pretax return on assets: 1.49% ($2,917.0 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
  • 25Total employees (full-time equivalent)
  • $195,770Total assets
  • $1,936Cash and due from depository institutions
  • $272Interest-bearing balances
  • $141,416Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $43,279Net loans & leases
  • $721Loan loss allowance
  • $0Trading account assets
  • $3,104Bank premises and fixed assets
  • $0Other real estate owned
  • $3,118Goodwill and other intangibles
  • $195,770Life insurance assets
  • $2,917All other assets
  • $174,523Total liabilities and capital
  • $164,205Total liabilities
  • $140,914Total deposits
  • $164,205Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 7375.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $400Trading liabilities
  • $0Other borrowed funds
  • $2,543Subordinated debt
  • $21,247All other liabilities
  • $21,247Total equity capital
  • $21,247Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $14,021Surplus
  • $6,026Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $97Income earned, not collected on loans
  • $0Earning assets
  • $1,576Long-term assets (5+ years)
  • $184,967Average Assets, year-to-date
  • $159,474Average Assets, quarterly
  • $163,524Volatile liabilities
  • $187,456Insider loans
  • $71,784FHLB advances
  • $177,686Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,770Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,084Restructured Loans and leases
  • $1,045Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,918Total interest income
  • $1,543Total interest expense
  • $5,375Net interest income
  • $653Provision for loan and lease losses
  • $244Total noninterest income
  • $0Fiduciary activities
  • $215Service charges on deposit accounts
  • $0Trading account gains & fees
  • $29Additional noninterest income
  • $3,051Total noninterest expense
  • $1,509Salaries and employee benefits
  • $249Premises and equipment expense
  • $1,293Additional noninterest expense
  • $1,915Pre-tax net operating income
  • $571Securities gains (losses)
  • $88Applicable income taxes
  • $2,398Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,398Net income attributable to bank
  • $0Net charge-offs
  • $2,398Cash dividends
  • -$5Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 3.50%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 1.99%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.47%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 13.31%Return on equity (ROE)
  • 13.31%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -13060.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 51,860Assets per employee
  • 7.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 743.30%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 26.36%Net loans and leases to core deposits
  • 30.20%Equity capital to assets
  • 10.85%Core capital (leverage) ratio
  • 8.31%Tier 1 risk-based capital ratio
  • 20.58%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $163,524Average earning assets
  • $18,022Average equity
  • $153,579Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03758The First National Bank Of Shiner103 West 7th Street, Shiner, TX 77984November 19, 1900Full Service Brick and Mortar

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