The Morris County National Bank of Naples in Naples, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Morris County National Bank of Naples - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 30Total employees (full-time equivalent)
  • $89,845Total assets
  • $10,316Cash and due from depository institutions
  • $5,737Interest-bearing balances
  • $28,826Securities
  • $1,510Federal funds sold & reverse repurchase agreements
  • $43,744Net loans & leases
  • $665Loan loss allowance
  • $0Trading account assets
  • $1,776Bank premises and fixed assets
  • $598Other real estate owned
  • $0Goodwill and other intangibles
  • $89,845Life insurance assets
  • $3,075All other assets
  • $81,184Total liabilities and capital
  • $80,972Total liabilities
  • $70,191Total deposits
  • $80,972Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $212Subordinated debt
  • $8,661All other liabilities
  • $8,661Total equity capital
  • $8,661Total bank equity capital
  • $0Perpetual preferred stock
  • $262Common stock
  • $688Surplus
  • $7,711Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,500Income earned, not collected on loans
  • $0Earning assets
  • $642Long-term assets (5+ years)
  • $79,817Average Assets, year-to-date
  • $45,641Average Assets, quarterly
  • $87,934Volatile liabilities
  • $89,172Insider loans
  • $55,860FHLB advances
  • $90,059Loans and leases held for sale
  • $1,589Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,658Tier 2 risk-based capital
  • $1,589Total risk weighted assets
  • $0Total unused commitments
  • $1,277Restructured Loans and leases
  • $742Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,963Total interest income
  • $611Total interest expense
  • $3,352Net interest income
  • $382Provision for loan and lease losses
  • $711Total noninterest income
  • $0Fiduciary activities
  • $436Service charges on deposit accounts
  • $0Trading account gains & fees
  • $275Additional noninterest income
  • $2,801Total noninterest expense
  • $1,354Salaries and employee benefits
  • $436Premises and equipment expense
  • $1,011Additional noninterest expense
  • $880Pre-tax net operating income
  • $185Securities gains (losses)
  • $0Applicable income taxes
  • $1,065Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,065Net income attributable to bank
  • $0Net charge-offs
  • $1,065Cash dividends
  • $505Sale, conversion, retirement of capital stock, net
  • $804Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 4.27%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 3.57%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 13.20%Return on equity (ROE)
  • 3.24%Retained earnings to average equity (YTD only)
  • 1.09%Net charge-offs to loans
  • 75.64%Credit loss provision to net charge-offs
  • 2.50%Efficiency ratio
  • 68,939Assets per employee
  • 2.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.49%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 44.33%Noncurrent assets plus other real estate owned to assets
  • 2.34%Noncurrent loans to loans
  • 3.38%Net loans and leases to deposits
  • 54.02%Net loans and leases to core deposits
  • 56.39%Equity capital to assets
  • 9.64%Core capital (leverage) ratio
  • 8.50%Tier 1 risk-based capital ratio
  • 13.71%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $87,934Average earning assets
  • $8,067Average equity
  • $78,510Average loans

List of branches

  • 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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