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

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The First National Bank of Shiner
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)25
Total assets$195,770
Cash and due from depository institutions$1,936
Interest-bearing balances$272
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$43,279
Loan loss allowance $721
Trading account assets$0
Bank premises and fixed assets$3,104
Other real estate owned$0
Goodwill and other intangibles$3,118
All other assets$2,917
Life insurance assets$195,770
Total liabilities and capital$174,523
Total liabilities$164,205
Total deposits$140,914
Interest-bearing deposits$164,205
Deposits held in domestic offices$85
% insured (estimated)7375.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$400
Other borrowed funds $0
Subordinated debt $2,543
All other liabilities $21,247
Total equity capital$21,247
Total bank equity capital$21,247
Perpetual preferred stock$0
Common stock$1,200
Undivided profits $6,026
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 $97
Earning assets $0
Long-term assets (5+ years) $1,576
Average Assets, year-to-date $184,967
Average Assets, quarterly $159,474
Volatile liabilities $163,524
Insider loans $187,456
FHLB advances $71,784
Loans and leases held for sale $177,686
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,770
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,084
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,918
Total interest expense $1,543
Net interest income $5,375
Provision for loan and lease losses $653
Total noninterest income $244
Fiduciary activities $0
Service charges on deposit accounts $215
Trading account gains & fees $0
Additional noninterest income $29
Total noninterest expense $3,051
Salaries and employee benefits $1,509
Premises and equipment expense $249
Additional noninterest expense $1,293
Pre-tax net operating income $1,915
Securities gains (losses) $571
Applicable income taxes $88
Income before extraordinary items $2,398
Extraordinary gains - net $0
Net income attributable to bank $2,398
Net charge-offs $0
Cash dividends $2,398
Sale, conversion, retirement of capital stock, net -$5
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.50%
Cost of funding earning assets 1.00%
Net interest margin 3.50%
Noninterest income to earning assets 0.16%
Noninterest expense to earning assets 1.99%
Net operating income to assets 1.13%
Return on assets (ROA) 1.47%
Pretax return on assets 1.52%
Return on equity (ROE) 13.31%
Retained earnings to average equity (YTD only) 13.31%
Net charge-offs to loans -0.01%
Credit loss provision to net charge-offs -13060.00%
Efficiency ratio0.00%
Assets per employee$51,860
Cash dividends to net income (YTD only)7.83%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.64%
Noncurrent assets plus other real estate owned to assets 743.30%
Noncurrent loans to loans 0.05%
Net loans and leases to deposits0.22%
Net loans and leases to core deposits 26.36%
Equity capital to assets 30.20%
Core capital (leverage) ratio 10.85%
Tier 1 risk-based capital ratio 8.31%
Total risk-based capital ratio 20.58%
Average assets$22
Average earning assets$163,524
Average equity $18,022
Average loans $153,579
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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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