The First National Bank of Winnsboro in Winnsboro, Texas (TX)
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| The First National Bank of Winnsboro | |
|---|---|
| General | FDIC Certificate #: 5590 Status: Active Federal Reserve ID: 501767 Bank Holding Company (Regulatory Top Holder): Etex Banco, Inc. (RSSDID: 1102170, Location: Winnsboro, TX) Date Established: January 01, 1893 WWW: http://www.fnbwinnsboro.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: No) OTS Docket #: 12096 FDIC's unique #: 3805 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: Commercial 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: 315 North Main Street, Winnsboro, TX 75494 County: Wood 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 |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $145.5 mil Equity capital: $22.6 mil Deposits held in domestic offices: $108.3 mil Return on assets (ROA): 0.40% ($0.6 mil) Quarterly return on assets: 0.44% ($0.6 mil) Return on Equity (ROE): 2.76% ($0.6 mil) Quarterly return on equity: 2.91% ($0.7 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.39% ($567.3 mil) Quarterly Pretax return on assets: 0.42% ($610.9 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 36 |
| Total assets | $145,460 |
| Cash and due from depository institutions | $19,758 |
| Interest-bearing balances | $13,281 |
| Securities | $25,992 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $83,336 |
| Loan loss allowance | $2,028 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $3,422 |
| Other real estate owned | $3,703 |
| Goodwill and other intangibles | $447 |
| All other assets | $8,802 |
| Life insurance assets | $145,460 |
| Total liabilities and capital | $122,896 |
| Total liabilities | $108,250 |
| Total deposits | $84,794 |
| Interest-bearing deposits | $108,250 |
| Deposits held in domestic offices | $87 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $10,320 |
| Other borrowed funds | $0 |
| Subordinated debt | $4,326 |
| All other liabilities | $22,564 |
| Total equity capital | $22,564 |
| Total bank equity capital | $22,564 |
| Perpetual preferred stock | $0 |
| Common stock | $1,022 |
| Surplus | $3,000 |
| Undivided profits | $18,542 |
| 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 | $8,415 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $666 |
| Average Assets, year-to-date | $122,609 |
| Average Assets, quarterly | $42,573 |
| Volatile liabilities | $148,955 |
| Insider loans | $149,341 |
| FHLB advances | $99,237 |
| Loans and leases held for sale | $145,897 |
| Unused loan commitments | $5,347 |
| Tier 1 (core) risk-based capital | $4,082 |
| Tier 2 risk-based capital | $22,786 |
| Total risk weighted assets | $0 |
| Total unused commitments | $1,265 |
| Restructured Loans and leases | $4,228 |
| Derivatives | $1,624 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $5,935 |
| Total interest expense | $889 |
| Net interest income | $5,046 |
| Provision for loan and lease losses | -$75 |
| Total noninterest income | $1,157 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $586 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $571 |
| Total noninterest expense | $5,739 |
| Salaries and employee benefits | $2,476 |
| Premises and equipment expense | $648 |
| Additional noninterest expense | $2,615 |
| Pre-tax net operating income | $539 |
| Securities gains (losses) | $41 |
| Applicable income taxes | -$21 |
| Income before extraordinary items | $601 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $601 |
| Net charge-offs | $0 |
| Cash dividends | $601 |
| Sale, conversion, retirement of capital stock, net | $494 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.74% |
| Cost of funding earning assets | 0.71% |
| Net interest margin | 4.03% |
| Noninterest income to earning assets | 0.92% |
| Noninterest expense to earning assets | 4.58% |
| Net operating income to assets | 0.38% |
| Return on assets (ROA) | 0.40% |
| Pretax return on assets | 0.39% |
| Return on equity (ROE) | 2.76% |
| Retained earnings to average equity (YTD only) | 2.76% |
| Net charge-offs to loans | 0.55% |
| Credit loss provision to net charge-offs | -15.18% |
| Efficiency ratio | 0.94% |
| Assets per employee | $91,166 |
| Cash dividends to net income (YTD only) | 4.04% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.38% |
| Noncurrent assets plus other real estate owned to assets | 24.10% |
| Noncurrent loans to loans | 8.33% |
| Net loans and leases to deposits | 9.86% |
| Net loans and leases to core deposits | 76.98% |
| Equity capital to assets | 88.52% |
| Core capital (leverage) ratio | 15.51% |
| Tier 1 risk-based capital ratio | 15.62% |
| Total risk-based capital ratio | 22.96% |
| Memoranda | |
| Average assets | $24 |
| Average earning assets | $148,955 |
| Average equity | $21,807 |
| Average loans | $125,317 |
| 3 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 3805 | The First National Bank Of Winnsboro | 315 North Main Street, Winnsboro, TX 75494 | January 01, 1893 | Full Service Brick and Mortar |  |
| 2 | 207851 | Winona-Owentown Branch | 11120 State Highway 155 North, Winona, TX 75792 | July 24, 1995 | Full Service Brick and Mortar |  |
| 3 | 15723 | South Town Branch | 100 E Coke Road, Winnsboro, TX 75494 | November 04, 1977 | Limited Service Facility | |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.