The First National Bank of Tom Bean in Tom Bean, Texas (TX), AR



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The First National Bank of Tom Bean routing number info

Table of contents:
The First National Bank of Tom Bean
GeneralFDIC Certificate #: 5557
Status: Active
Federal Reserve ID: 193162
Date Established: September 22, 1906
WWW: http://www.fnbtb.com
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: 3 (Domestic: 3, Interstate: Yes)
FDIC's unique #: 3778
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: All Other Specialization < 1 Billion
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
LocationAddress: 103 S Britton St, Tom Bean, TX 75489
County: Grayson
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
Metropolitan Statistical Area (MSA): Sherman-Denison, TX (#7640)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Sherman-Denison, TX (#43300)
CBSA Metro Statistical Area: Sherman-Denison, TX (#43300)
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $50.0 mil
Equity capital: $4.7 mil
Deposits held in domestic offices: $45.2 mil
Return on assets (ROA): 0.97% ($0.5 mil)
Quarterly return on assets: 0.31% ($0.2 mil)
Return on Equity (ROE): 9.59% ($0.5 mil)
Quarterly return on equity: 3.27% ($0.2 mil)
Net income: $0.4 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.97% ($484.5 mil)
Quarterly Pretax return on assets: 0.31% ($154.8 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)
Total employees (full-time equivalent)21
Total assets$49,950
Cash and due from depository institutions$4,108
Interest-bearing balances$2,702
Securities$13,088
Federal funds sold & reverse repurchase agreements$5,575
Net loans & leases$24,227
Loan loss allowance $516
Trading account assets$0
Bank premises and fixed assets$1,934
Other real estate owned$414
Goodwill and other intangibles$0
All other assets$604
Life insurance assets$49,950
Total liabilities and capital$45,277
Total liabilities$45,214
Total deposits$33,627
Interest-bearing deposits$45,214
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $63
All other liabilities $4,673
Total equity capital$4,673
Total bank equity capital$4,673
Perpetual preferred stock$0
Common stock$1,500
Surplus$100
Undivided profits $3,073
Memoranda
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 $795
Earning assets $0
Long-term assets (5+ years) $307
Average Assets, year-to-date $45,592
Average Assets, quarterly $17,958
Volatile liabilities $45,760
Insider loans $48,699
FHLB advances $25,423
Loans and leases held for sale $49,326
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,673
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,534
Derivatives$3,389
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,963
Total interest expense $310
Net interest income $1,653
Provision for loan and lease losses -$394
Total noninterest income $333
Fiduciary activities $0
Service charges on deposit accounts $254
Trading account gains & fees $0
Additional noninterest income $79
Total noninterest expense $1,937
Salaries and employee benefits $1,015
Premises and equipment expense $287
Additional noninterest expense $635
Pre-tax net operating income $443
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $443
Extraordinary gains - net $0
Net income attributable to bank $443
Net charge-offs $0
Cash dividends $443
Sale, conversion, retirement of capital stock, net -$547
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 assets4.74%
Cost of funding earning assets 0.75%
Net interest margin 4.00%
Noninterest income to earning assets 0.80%
Noninterest expense to earning assets 4.68%
Net operating income to assets 0.97%
Return on assets (ROA) 0.97%
Pretax return on assets 0.97%
Return on equity (ROE) 9.59%
Retained earnings to average equity (YTD only) 9.59%
Net charge-offs to loans -2.33%
Credit loss provision to net charge-offs 72.03%
Efficiency ratio0.00%
Assets per employee$97,533
Cash dividends to net income (YTD only)2.38%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.09%
Noncurrent assets plus other real estate owned to assets 64.91%
Noncurrent loans to loans 2.42%
Net loans and leases to deposits3.21%
Net loans and leases to core deposits 53.58%
Equity capital to assets 54.91%
Core capital (leverage) ratio 9.36%
Tier 1 risk-based capital ratio 9.47%
Total risk-based capital ratio 18.38%
Memoranda
Average assets$20
Average earning assets$45,760
Average equity $4,620
Average loans $41,376
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1 Arkansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
2521498Lewisville Branch120 East First Street, Lewisville, AR 71845June 23, 2011Full Service Brick and Mortar
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2 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03778The First National Bank Of Tom Bean103 S Britton St, Tom Bean, TX 75489September 22, 1906Full Service Brick and Mortar
1207823Clarksville Branch2203 West Main Street, Clarksville, TX 75426May 17, 1999Full Service Brick and Mortar
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