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

The First National Bank of Sonora - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 79Total employees (full-time equivalent)
  • $313,430Total assets
  • $50,342Cash and due from depository institutions
  • $27,980Interest-bearing balances
  • $55,206Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $189,379Net loans & leases
  • $3,161Loan loss allowance
  • $0Trading account assets
  • $7,733Bank premises and fixed assets
  • $1,332Other real estate owned
  • $1,610Goodwill and other intangibles
  • $313,430Life insurance assets
  • $7,828All other assets
  • $283,532Total liabilities and capital
  • $274,506Total liabilities
  • $192,104Total deposits
  • $274,506Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,093Trading liabilities
  • $0Other borrowed funds
  • $1,933Subordinated debt
  • $29,898All other liabilities
  • $29,898Total equity capital
  • $29,898Total bank equity capital
  • $0Perpetual preferred stock
  • $251Common stock
  • $10,088Surplus
  • $19,559Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $366Income earned, not collected on loans
  • $0Earning assets
  • $1,428Long-term assets (5+ years)
  • $272,565Average Assets, year-to-date
  • $75,522Average Assets, quarterly
  • $277,899Volatile liabilities
  • $310,045Insider loans
  • $194,341FHLB advances
  • $302,011Loans and leases held for sale
  • $5,273Unused loan commitments
  • $5,273Tier 1 (core) risk-based capital
  • $26,910Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,053Restructured Loans and leases
  • $3,407Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,806Total interest income
  • $1,999Total interest expense
  • $10,807Net interest income
  • $600Provision for loan and lease losses
  • $1,799Total noninterest income
  • $0Fiduciary activities
  • $702Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,097Additional noninterest income
  • $9,121Total noninterest expense
  • $4,778Salaries and employee benefits
  • $709Premises and equipment expense
  • $3,634Additional noninterest expense
  • $2,885Pre-tax net operating income
  • $149Securities gains (losses)
  • $0Applicable income taxes
  • $3,034Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,034Net income attributable to bank
  • $0Net charge-offs
  • $3,034Cash dividends
  • $1,875Sale, conversion, retirement of capital stock, net
  • $609Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.37%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 3.69%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 11.78%Return on equity (ROE)
  • 9.41%Retained earnings to average equity (YTD only)
  • 1.06%Net charge-offs to loans
  • 32.00%Credit loss provision to net charge-offs
  • 1.86%Efficiency ratio
  • 72,354Assets per employee
  • 3.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.07%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 863.66%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 68.99%Net loans and leases to core deposits
  • 76.97%Equity capital to assets
  • 9.54%Core capital (leverage) ratio
  • 8.91%Tier 1 risk-based capital ratio
  • 13.85%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $277,899Average earning assets
  • $25,759Average equity
  • $247,443Average loans

List of branches

  • 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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