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

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The First National Bank of Trenton routing number info

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The First National Bank of Trenton
GeneralFDIC Certificate #: 5558
Status: Active
Federal Reserve ID: 419460
Bank Holding Company (Regulatory Top Holder): Trenton Bankshares, Inc. (RSSDID: 2344977, Location: Trenton, TX)
Date Established: January 01, 1901
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: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 12165
FDIC's unique #: 3779
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: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
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: 106 Hamilton Square, Trenton, TX 75490
County: Fannin
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
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Bonham, TX (#14300)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $151.3 mil
Equity capital: $15.6 mil
Deposits held in domestic offices: $116.4 mil
Return on assets (ROA): 0.05% ($0.1 mil)
Quarterly return on assets: 0.12% ($0.2 mil)
Return on Equity (ROE): 0.47% ($0.1 mil)
Quarterly return on equity: 1.13% ($0.2 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.02% ($30.3 mil)
Quarterly Pretax return on assets: 0.15% ($226.9 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)60
Total assets$151,299
Cash and due from depository institutions$2,694
Interest-bearing balances$482
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$76,067
Loan loss allowance $1,223
Trading account assets$0
Bank premises and fixed assets$3,110
Other real estate owned$2,340
Goodwill and other intangibles$1
All other assets$8,106
Life insurance assets$151,299
Total liabilities and capital$135,739
Total liabilities$116,435
Total deposits$92,825
Interest-bearing deposits$116,435
Deposits held in domestic offices$93
% insured (estimated)5170.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$12,378
Other borrowed funds $0
Subordinated debt $1,756
All other liabilities $15,560
Total equity capital$15,560
Total bank equity capital$15,560
Perpetual preferred stock$0
Common stock$440
Undivided profits $8,945
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $14,223
Income earned, not collected on loans $974
Earning assets $54
Long-term assets (5+ years) $498
Average Assets, year-to-date $135,530
Average Assets, quarterly $103,005
Volatile liabilities $145,986
Insider loans $149,385
FHLB advances $72,778
Loans and leases held for sale $146,670
Unused loan commitments $4,071
Tier 1 (core) risk-based capital $1,742
Tier 2 risk-based capital $14,294
Total risk weighted assets $0
Total unused commitments $2,329
Restructured Loans and leases $3,687
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,776
Total interest expense $1,524
Net interest income $4,252
Provision for loan and lease losses $62
Total noninterest income $1,818
Fiduciary activities $0
Service charges on deposit accounts $756
Trading account gains & fees $0
Additional noninterest income $1,062
Total noninterest expense $6,409
Salaries and employee benefits $3,394
Premises and equipment expense $1,034
Additional noninterest expense $1,981
Pre-tax net operating income -$401
Securities gains (losses) $431
Applicable income taxes -$43
Income before extraordinary items $73
Extraordinary gains - net $0
Net income attributable to bank $73
Net charge-offs $0
Cash dividends $73
Sale, conversion, retirement of capital stock, net $88
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 assets4.46%
Cost of funding earning assets 1.18%
Net interest margin 3.29%
Noninterest income to earning assets 1.41%
Noninterest expense to earning assets 4.95%
Net operating income to assets -0.25%
Return on assets (ROA) 0.05%
Pretax return on assets 0.02%
Return on equity (ROE) 0.47%
Retained earnings to average equity (YTD only) 0.47%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 70.45%
Efficiency ratio-3.85%
Assets per employee$105,585
Cash dividends to net income (YTD only)2.52%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.58%
Noncurrent assets plus other real estate owned to assets 125.56%
Noncurrent loans to loans 2.19%
Net loans and leases to deposits1.26%
Net loans and leases to core deposits 65.33%
Equity capital to assets 66.78%
Core capital (leverage) ratio 10.28%
Tier 1 risk-based capital ratio 9.75%
Total risk-based capital ratio 19.64%
Average assets$21
Average earning assets$145,986
Average equity $15,390
Average loans $129,381
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5 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03779The First National Bank Of Trenton106 Hamilton Square, Trenton, TX 75490January 01, 1901Full Service Brick and Mortar
1207824Bonham Branch2109 North Center Street, Bonham, TX 75418May 04, 1992Full Service Brick and Mortar
2207825Leonard BranchHighway 69 And Palimino Drive, Leonard, TX 75452Febuary 25, 1988Full Service Brick and Mortar
3360037Melissa BranchSam Rayburn Hwy, Melissa, TX 75454April 09, 2001Full Service Brick and Mortar
4453682Farmersville Branch201 S. Hwy 78, Farmersville, TX 75442July 01, 2005Full Service Brick and Mortar
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