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

The First National Bank of Tom Bean - Overview

  • General
  • FDIC Certificate #: 5557
    Status: Active
    Federal Reserve ID: 193162
    Date Established: September 22, 1906
    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
  • Location
  • Address: 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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 21Total employees (full-time equivalent)
  • $49,950Total assets
  • $4,108Cash and due from depository institutions
  • $2,702Interest-bearing balances
  • $13,088Securities
  • $5,575Federal funds sold & reverse repurchase agreements
  • $24,227Net loans & leases
  • $516Loan loss allowance
  • $0Trading account assets
  • $1,934Bank premises and fixed assets
  • $414Other real estate owned
  • $0Goodwill and other intangibles
  • $49,950Life insurance assets
  • $604All other assets
  • $45,277Total liabilities and capital
  • $45,214Total liabilities
  • $33,627Total deposits
  • $45,214Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $63Subordinated debt
  • $4,673All other liabilities
  • $4,673Total equity capital
  • $4,673Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $100Surplus
  • $3,073Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $795Income earned, not collected on loans
  • $0Earning assets
  • $307Long-term assets (5+ years)
  • $45,592Average Assets, year-to-date
  • $17,958Average Assets, quarterly
  • $45,760Volatile liabilities
  • $48,699Insider loans
  • $25,423FHLB advances
  • $49,326Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,673Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,534Restructured Loans and leases
  • $3,389Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,963Total interest income
  • $310Total interest expense
  • $1,653Net interest income
  • -$394Provision for loan and lease losses
  • $333Total noninterest income
  • $0Fiduciary activities
  • $254Service charges on deposit accounts
  • $0Trading account gains & fees
  • $79Additional noninterest income
  • $1,937Total noninterest expense
  • $1,015Salaries and employee benefits
  • $287Premises and equipment expense
  • $635Additional noninterest expense
  • $443Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $443Income before extraordinary items
  • $0Extraordinary gains - net
  • $443Net income attributable to bank
  • $0Net charge-offs
  • $443Cash dividends
  • -$547Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.00%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 4.68%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 9.59%Return on equity (ROE)
  • 9.59%Retained earnings to average equity (YTD only)
  • -2.33%Net charge-offs to loans
  • 72.03%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 97,533Assets per employee
  • 2.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 64.91%Noncurrent assets plus other real estate owned to assets
  • 2.42%Noncurrent loans to loans
  • 3.21%Net loans and leases to deposits
  • 53.58%Net loans and leases to core deposits
  • 54.91%Equity capital to assets
  • 9.36%Core capital (leverage) ratio
  • 9.47%Tier 1 risk-based capital ratio
  • 18.38%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $45,760Average earning assets
  • $4,620Average equity
  • $41,376Average loans

List of branches

  • 1 Arkansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2521498Lewisville Branch120 East First Street, Lewisville, AR 71845June 23, 2011Full Service Brick and Mortar
  • 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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The First National Bank of Tom Bean.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents