The First National Bank of Trinity in Trinity, Texas (TX)
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 17 |
| Total assets | $51,141 |
| Cash and due from depository institutions | $8,727 |
| Interest-bearing balances | $7,302 |
| Securities | $26,584 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $14,782 |
| Loan loss allowance | $188 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $232 |
| Other real estate owned | $282 |
| Goodwill and other intangibles | $0 |
| All other assets | $534 |
| Life insurance assets | $51,141 |
| Total liabilities and capital | $46,488 |
| Total liabilities | $46,425 |
| Total deposits | $31,025 |
| Interest-bearing deposits | $46,425 |
| Deposits held in domestic offices | $95 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $63 |
| All other liabilities | $4,653 |
| Total equity capital | $4,653 |
| Total bank equity capital | $4,653 |
| Perpetual preferred stock | $0 |
| Common stock | $446 |
| Surplus | $658 |
| Undivided profits | $3,549 |
| 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 | $382 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $238 |
| Average Assets, year-to-date | $48,668 |
| Average Assets, quarterly | $31,697 |
| Volatile liabilities | $50,689 |
| Insider loans | $52,265 |
| FHLB advances | $20,330 |
| Loans and leases held for sale | $52,330 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $4,322 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $242 |
| Derivatives | $636 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $2,014 |
| Total interest expense | $194 |
| Net interest income | $1,820 |
| Provision for loan and lease losses | $25 |
| Total noninterest income | $680 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $405 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $275 |
| Total noninterest expense | $1,848 |
| Salaries and employee benefits | $1,025 |
| Premises and equipment expense | $261 |
| Additional noninterest expense | $562 |
| Pre-tax net operating income | $627 |
| Securities gains (losses) | $72 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $699 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $699 |
| Net charge-offs | $0 |
| Cash dividends | $699 |
| Sale, conversion, retirement of capital stock, net | $27 |
| Net operating income | $613 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.18% |
| Cost of funding earning assets | 0.40% |
| Net interest margin | 3.77% |
| Noninterest income to earning assets | 1.41% |
| Noninterest expense to earning assets | 3.83% |
| Net operating income to assets | 1.24% |
| Return on assets (ROA) | 1.38% |
| Pretax return on assets | 1.38% |
| Return on equity (ROE) | 16.49% |
| Retained earnings to average equity (YTD only) | 2.03% |
| Net charge-offs to loans | 0.18% |
| Credit loss provision to net charge-offs | 92.59% |
| Efficiency ratio | 24.15% |
| Assets per employee | $73,920 |
| Cash dividends to net income (YTD only) | 3.01% |
| Condition Ratios (%) | |
| Loss allowance to loans | 87.70% |
| Loss allowance to noncurrent loans | 1.26% |
| Noncurrent assets plus other real estate owned to assets | 49.21% |
| Noncurrent loans to loans | 1.30% |
| Net loans and leases to deposits | 2.55% |
| Net loans and leases to core deposits | 31.84% |
| Equity capital to assets | 32.35% |
| Core capital (leverage) ratio | 9.10% |
| Tier 1 risk-based capital ratio | 8.26% |
| Total risk-based capital ratio | 21.26% |
| Memoranda | |
| Average assets | $22 |
| Average earning assets | $50,689 |
| Average equity | $4,240 |
| Average loans | $48,214 |
| 2 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 3780 | The First National Bank Of Trinity | 105 South Robb Street, Trinity, TX 75862 | September 11, 1911 | Full Service Brick and Mortar |  |
| 2 | 493600 | Riverside Bank Branch | 3745 State Hwy 19, Riverside, TX 77367 | April 22, 2008 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.