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

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The First National Bank of Sonora routing number info

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The First National Bank of Sonora
GeneralFDIC Certificate #: 5531
Status: Active
Federal Reserve ID: 591366
Bank Holding Company (Regulatory Top Holder): First Sonora Bancshares, Inc. (RSSDID: 2184333, Location: Sonora, TX)
Date Established: January 01, 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: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 3759
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 07, 2011
Last Structure Change Process Date: April 19, 2011
Last Data Update: April 19, 2011
Data Source Date: April 05, 2012
LocationAddress: 102 East Main Street, Sonora, TX 76950
County: Sutton
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Lubbock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of ChangesOffice Purchased
Financial SummaryTotal assets: $313.4 mil
Equity capital: $29.9 mil
Deposits held in domestic offices: $274.5 mil
Return on assets (ROA): 1.09% ($3.4 mil)
Quarterly return on assets: 1.20% ($3.8 mil)
Return on Equity (ROE): 11.78% ($3.5 mil)
Quarterly return on equity: 12.64% ($3.8 mil)
Net income: $3.0 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.09% ($3,416.4 mil)
Quarterly Pretax return on assets: 1.20% ($3,761.2 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)79
Total assets$313,430
Cash and due from depository institutions$50,342
Interest-bearing balances$27,980
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$189,379
Loan loss allowance $3,161
Trading account assets$0
Bank premises and fixed assets$7,733
Other real estate owned$1,332
Goodwill and other intangibles$1,610
All other assets$7,828
Life insurance assets$313,430
Total liabilities and capital$283,532
Total liabilities$274,506
Total deposits$192,104
Interest-bearing deposits$274,506
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,093
Other borrowed funds $0
Subordinated debt $1,933
All other liabilities $29,898
Total equity capital$29,898
Total bank equity capital$29,898
Perpetual preferred stock$0
Common stock$251
Undivided profits $19,559
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 $366
Earning assets $0
Long-term assets (5+ years) $1,428
Average Assets, year-to-date $272,565
Average Assets, quarterly $75,522
Volatile liabilities $277,899
Insider loans $310,045
FHLB advances $194,341
Loans and leases held for sale $302,011
Unused loan commitments $5,273
Tier 1 (core) risk-based capital $5,273
Tier 2 risk-based capital $26,910
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,053
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,806
Total interest expense $1,999
Net interest income $10,807
Provision for loan and lease losses $600
Total noninterest income $1,799
Fiduciary activities $0
Service charges on deposit accounts $702
Trading account gains & fees $0
Additional noninterest income $1,097
Total noninterest expense $9,121
Salaries and employee benefits $4,778
Premises and equipment expense $709
Additional noninterest expense $3,634
Pre-tax net operating income $2,885
Securities gains (losses) $149
Applicable income taxes $0
Income before extraordinary items $3,034
Extraordinary gains - net $0
Net income attributable to bank $3,034
Net charge-offs $0
Cash dividends $3,034
Sale, conversion, retirement of capital stock, net $1,875
Net operating income $609
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.18%
Cost of funding earning assets 0.81%
Net interest margin 4.37%
Noninterest income to earning assets 0.73%
Noninterest expense to earning assets 3.69%
Net operating income to assets 1.04%
Return on assets (ROA) 1.09%
Pretax return on assets 1.09%
Return on equity (ROE) 11.78%
Retained earnings to average equity (YTD only) 9.41%
Net charge-offs to loans 1.06%
Credit loss provision to net charge-offs 32.00%
Efficiency ratio1.86%
Assets per employee$72,354
Cash dividends to net income (YTD only)3.97%
Condition Ratios (%)
Loss allowance to loans 20.07%
Loss allowance to noncurrent loans 1.64%
Noncurrent assets plus other real estate owned to assets 863.66%
Noncurrent loans to loans 0.54%
Net loans and leases to deposits0.19%
Net loans and leases to core deposits 68.99%
Equity capital to assets 76.97%
Core capital (leverage) ratio 9.54%
Tier 1 risk-based capital ratio 8.91%
Total risk-based capital ratio 13.85%
Average assets$15
Average earning assets$277,899
Average equity $25,759
Average loans $247,443
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4 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03759The First National Bank Of Sonora102 East Main Street, Sonora, TX 76950January 01, 1900Full Service Brick and Mortar
1207803San Angelo Banking Center Branch5710 Sherwood Way, San Angelo, TX 76901November 14, 1994Full Service Brick and Mortar
2207804Banking Center Branch2502 Southland Boulevard, San Angelo, TX 76904May 18, 1998Full Service Brick and Mortar
3493103Boerne Banking Center Branch122 West Bandera Road, Boerne, TX 78006January 05, 2009Full Service Brick and Mortar
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