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

The First National Bank of Trenton - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 60Total employees (full-time equivalent)
  • $151,299Total assets
  • $2,694Cash and due from depository institutions
  • $482Interest-bearing balances
  • $58,981Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $76,067Net loans & leases
  • $1,223Loan loss allowance
  • $0Trading account assets
  • $3,110Bank premises and fixed assets
  • $2,340Other real estate owned
  • $1Goodwill and other intangibles
  • $151,299Life insurance assets
  • $8,106All other assets
  • $135,739Total liabilities and capital
  • $116,435Total liabilities
  • $92,825Total deposits
  • $116,435Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 5170.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,378Trading liabilities
  • $0Other borrowed funds
  • $1,756Subordinated debt
  • $15,560All other liabilities
  • $15,560Total equity capital
  • $15,560Total bank equity capital
  • $0Perpetual preferred stock
  • $440Common stock
  • $6,175Surplus
  • $8,945Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $14,223Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $974Income earned, not collected on loans
  • $54Earning assets
  • $498Long-term assets (5+ years)
  • $135,530Average Assets, year-to-date
  • $103,005Average Assets, quarterly
  • $145,986Volatile liabilities
  • $149,385Insider loans
  • $72,778FHLB advances
  • $146,670Loans and leases held for sale
  • $4,071Unused loan commitments
  • $1,742Tier 1 (core) risk-based capital
  • $14,294Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,329Total unused commitments
  • $3,687Restructured Loans and leases
  • $2,865Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,776Total interest income
  • $1,524Total interest expense
  • $4,252Net interest income
  • $62Provision for loan and lease losses
  • $1,818Total noninterest income
  • $0Fiduciary activities
  • $756Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,062Additional noninterest income
  • $6,409Total noninterest expense
  • $3,394Salaries and employee benefits
  • $1,034Premises and equipment expense
  • $1,981Additional noninterest expense
  • -$401Pre-tax net operating income
  • $431Securities gains (losses)
  • -$43Applicable income taxes
  • $73Income before extraordinary items
  • $0Extraordinary gains - net
  • $73Net income attributable to bank
  • $0Net charge-offs
  • $73Cash dividends
  • $88Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 3.29%Net interest margin
  • 1.41%Noninterest income to earning assets
  • 4.95%Noninterest expense to earning assets
  • -0.25%Net operating income to assets
  • 0.05%Return on assets (ROA)
  • 0.02%Pretax return on assets
  • 0.47%Return on equity (ROE)
  • 0.47%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 70.45%Credit loss provision to net charge-offs
  • -3.85%Efficiency ratio
  • 105,585Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 125.56%Noncurrent assets plus other real estate owned to assets
  • 2.19%Noncurrent loans to loans
  • 1.26%Net loans and leases to deposits
  • 65.33%Net loans and leases to core deposits
  • 66.78%Equity capital to assets
  • 10.28%Core capital (leverage) ratio
  • 9.75%Tier 1 risk-based capital ratio
  • 19.64%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $145,986Average earning assets
  • $15,390Average equity
  • $129,381Average loans

List of branches

  • 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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