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

The First National Bank of Winnsboro - Overview

  • 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
    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)

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
  • 36Total employees (full-time equivalent)
  • $145,460Total assets
  • $19,758Cash and due from depository institutions
  • $13,281Interest-bearing balances
  • $25,992Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $83,336Net loans & leases
  • $2,028Loan loss allowance
  • $0Trading account assets
  • $3,422Bank premises and fixed assets
  • $3,703Other real estate owned
  • $447Goodwill and other intangibles
  • $145,460Life insurance assets
  • $8,802All other assets
  • $122,896Total liabilities and capital
  • $108,250Total liabilities
  • $84,794Total deposits
  • $108,250Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,320Trading liabilities
  • $0Other borrowed funds
  • $4,326Subordinated debt
  • $22,564All other liabilities
  • $22,564Total equity capital
  • $22,564Total bank equity capital
  • $0Perpetual preferred stock
  • $1,022Common stock
  • $3,000Surplus
  • $18,542Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,415Income earned, not collected on loans
  • $0Earning assets
  • $666Long-term assets (5+ years)
  • $122,609Average Assets, year-to-date
  • $42,573Average Assets, quarterly
  • $148,955Volatile liabilities
  • $149,341Insider loans
  • $99,237FHLB advances
  • $145,897Loans and leases held for sale
  • $5,347Unused loan commitments
  • $4,082Tier 1 (core) risk-based capital
  • $22,786Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,265Total unused commitments
  • $4,228Restructured Loans and leases
  • $1,624Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,935Total interest income
  • $889Total interest expense
  • $5,046Net interest income
  • -$75Provision for loan and lease losses
  • $1,157Total noninterest income
  • $0Fiduciary activities
  • $586Service charges on deposit accounts
  • $0Trading account gains & fees
  • $571Additional noninterest income
  • $5,739Total noninterest expense
  • $2,476Salaries and employee benefits
  • $648Premises and equipment expense
  • $2,615Additional noninterest expense
  • $539Pre-tax net operating income
  • $41Securities gains (losses)
  • -$21Applicable income taxes
  • $601Income before extraordinary items
  • $0Extraordinary gains - net
  • $601Net income attributable to bank
  • $0Net charge-offs
  • $601Cash dividends
  • $494Sale, 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
  • 0.71%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 4.58%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 2.76%Return on equity (ROE)
  • 2.76%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • -15.18%Credit loss provision to net charge-offs
  • 0.94%Efficiency ratio
  • 91,166Assets per employee
  • 4.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.38%Loss allowance to noncurrent loans
  • 24.10%Noncurrent assets plus other real estate owned to assets
  • 8.33%Noncurrent loans to loans
  • 9.86%Net loans and leases to deposits
  • 76.98%Net loans and leases to core deposits
  • 88.52%Equity capital to assets
  • 15.51%Core capital (leverage) ratio
  • 15.62%Tier 1 risk-based capital ratio
  • 22.96%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $148,955Average earning assets
  • $21,807Average equity
  • $125,317Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03805The First National Bank Of Winnsboro315 North Main Street, Winnsboro, TX 75494January 01, 1893Full Service Brick and Mortar
    2207851Winona-Owentown Branch11120 State Highway 155 North, Winona, TX 75792July 24, 1995Full Service Brick and Mortar
    315723South Town Branch100 E Coke Road, Winnsboro, TX 75494November 04, 1977Limited Service Facility

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 Winnsboro.
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