The Morris County National Bank of Naples in Naples, Texas (TX)



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The Morris County National Bank of Naples routing number info

Table of contents:
The Morris County National Bank of Naples
GeneralFDIC Certificate #: 3358
Status: Active
Federal Reserve ID: 770068
Bank Holding Company (Regulatory Top Holder): Morris County Bankshares, Incorporated (RSSDID: 1103515, Location: Naples, TX)
Date Established: August 15, 1893
WWW: http://www.morriscountybank.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: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 14047
FDIC's unique #: 2178
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: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 101 W.L. Doc Dodson East, Naples, TX 75568
County: Morris
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
Financial SummaryTotal assets: $89.8 mil
Equity capital: $8.7 mil
Deposits held in domestic offices: $81.0 mil
Return on assets (ROA): 1.21% ($1.1 mil)
Quarterly return on assets: 1.07% ($1.0 mil)
Return on Equity (ROE): 13.20% ($1.2 mil)
Quarterly return on equity: 11.08% ($1.0 mil)
Net income: $1.1 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.21% ($1,087.1 mil)
Quarterly Pretax return on assets: 1.07% ($961.3 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)30
Total assets$89,845
Cash and due from depository institutions$10,316
Interest-bearing balances$5,737
Securities$28,826
Federal funds sold & reverse repurchase agreements$1,510
Net loans & leases$43,744
Loan loss allowance $665
Trading account assets$0
Bank premises and fixed assets$1,776
Other real estate owned$598
Goodwill and other intangibles$0
All other assets$3,075
Life insurance assets$89,845
Total liabilities and capital$81,184
Total liabilities$80,972
Total deposits$70,191
Interest-bearing deposits$80,972
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $212
All other liabilities $8,661
Total equity capital$8,661
Total bank equity capital$8,661
Perpetual preferred stock$0
Common stock$262
Surplus$688
Undivided profits $7,711
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 $1,500
Earning assets $0
Long-term assets (5+ years) $642
Average Assets, year-to-date $79,817
Average Assets, quarterly $45,641
Volatile liabilities $87,934
Insider loans $89,172
FHLB advances $55,860
Loans and leases held for sale $90,059
Unused loan commitments $1,589
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,658
Total risk weighted assets $1,589
Total unused commitments $0
Restructured Loans and leases $1,277
Derivatives$742
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,963
Total interest expense $611
Net interest income $3,352
Provision for loan and lease losses $382
Total noninterest income $711
Fiduciary activities $0
Service charges on deposit accounts $436
Trading account gains & fees $0
Additional noninterest income $275
Total noninterest expense $2,801
Salaries and employee benefits $1,354
Premises and equipment expense $436
Additional noninterest expense $1,011
Pre-tax net operating income $880
Securities gains (losses) $185
Applicable income taxes $0
Income before extraordinary items $1,065
Extraordinary gains - net $0
Net income attributable to bank $1,065
Net charge-offs $0
Cash dividends $1,065
Sale, conversion, retirement of capital stock, net $505
Net operating income $804
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.05%
Cost of funding earning assets 0.78%
Net interest margin 4.27%
Noninterest income to earning assets 0.91%
Noninterest expense to earning assets 3.57%
Net operating income to assets 1.00%
Return on assets (ROA) 1.21%
Pretax return on assets 1.21%
Return on equity (ROE) 13.20%
Retained earnings to average equity (YTD only) 3.24%
Net charge-offs to loans 1.09%
Credit loss provision to net charge-offs 75.64%
Efficiency ratio2.50%
Assets per employee$68,939
Cash dividends to net income (YTD only)2.99%
Condition Ratios (%)
Loss allowance to loans 75.49%
Loss allowance to noncurrent loans 1.50%
Noncurrent assets plus other real estate owned to assets 44.33%
Noncurrent loans to loans 2.34%
Net loans and leases to deposits3.38%
Net loans and leases to core deposits 54.02%
Equity capital to assets 56.39%
Core capital (leverage) ratio 9.64%
Tier 1 risk-based capital ratio 8.50%
Total risk-based capital ratio 13.71%
Memoranda
Average assets$15
Average earning assets$87,934
Average equity $8,067
Average loans $78,510
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2 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02178The Morris County National Bank Of N101 W.L. Doc Dodson East, Naples, TX 75568August 15, 1893Full Service Brick and Mortar
1419140Cass County Bank401 Hwy 59 N, Queen City, TX 75572May 22, 2002Full Service Brick and Mortar
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