The State National Bank of Big Spring in Big Spring, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The State National Bank of Big Spring - Overview

  • General
  • FDIC Certificate #: 3103
    Status: Active
    Federal Reserve ID: 169354
    Bank Holding Company (Regulatory Top Holder): Snb Financial, Inc. (RSSDID: 1110278, Location: Big Spring, TX)
    Date Established: March 01, 1909
    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)
    FDIC's unique #: 1980
    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: Other Specialized Lending < 1 Billion
    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: 901 Main Street, Big Spring, TX 79720
    County: Howard
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Big Spring, TX (#13700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $299.9 mil
    Equity capital: $26.4 mil
    Deposits held in domestic offices: $273.3 mil
    Return on assets (ROA): 0.69% ($2.1 mil)
    Quarterly return on assets: 0.54% ($1.6 mil)
    Return on Equity (ROE): 7.26% ($1.9 mil)
    Quarterly return on equity: 5.90% ($1.5 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.69% ($2,069.6 mil)
    Quarterly Pretax return on assets: 0.54% ($1,619.7 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
  • 39Total employees (full-time equivalent)
  • $299,944Total assets
  • $69,198Cash and due from depository institutions
  • $58,516Interest-bearing balances
  • $197,437Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $29,437Net loans & leases
  • $2,075Loan loss allowance
  • $0Trading account assets
  • $939Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $299,944Life insurance assets
  • $1,933All other assets
  • $273,566Total liabilities and capital
  • $273,295Total liabilities
  • $181,827Total deposits
  • $273,295Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $271Subordinated debt
  • $26,378All other liabilities
  • $26,378Total equity capital
  • $26,378Total bank equity capital
  • $0Perpetual preferred stock
  • $1,137Common stock
  • $3,607Surplus
  • $21,634Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7Income earned, not collected on loans
  • $0Earning assets
  • $1,162Long-term assets (5+ years)
  • $286,390Average Assets, year-to-date
  • $22,730Average Assets, quarterly
  • $277,256Volatile liabilities
  • $296,766Insider loans
  • $73,542FHLB advances
  • $296,482Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,869Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,063Restructured Loans and leases
  • $1,548Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,055Total interest income
  • $723Total interest expense
  • $4,332Net interest income
  • -$90Provision for loan and lease losses
  • $1,281Total noninterest income
  • $0Fiduciary activities
  • $846Service charges on deposit accounts
  • $0Trading account gains & fees
  • $435Additional noninterest income
  • $4,456Total noninterest expense
  • $2,601Salaries and employee benefits
  • $484Premises and equipment expense
  • $1,371Additional noninterest expense
  • $1,247Pre-tax net operating income
  • $677Securities gains (losses)
  • $0Applicable income taxes
  • $1,924Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,924Net income attributable to bank
  • $0Net charge-offs
  • $1,924Cash dividends
  • -$76Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 1.90%Yield on earning assets
  • 0.27%Cost of funding earning assets
  • 1.63%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 1.67%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 7.26%Return on equity (ROE)
  • 1.60%Retained earnings to average equity (YTD only)
  • -0.22%Net charge-offs to loans
  • 118.42%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 79,387Assets per employee
  • 7.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.96%Loss allowance to loans
  • 6.58%Loss allowance to noncurrent loans
  • 29642.86%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 10.77%Net loans and leases to core deposits
  • 11.12%Equity capital to assets
  • 8.79%Core capital (leverage) ratio
  • 8.39%Tier 1 risk-based capital ratio
  • 33.82%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $277,256Average earning assets
  • $26,498Average equity
  • $266,333Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01980The State National Bank Of Big Sprin901 Main Street, Big Spring, TX 79720March 01, 1909Full Service Brick and Mortar
    12188O'donnell BranchMain Street, Odonnell, TX 79351November 01, 1925Full Service Brick and Mortar
    2196378Lamesa Branch801 North 4th Street, Lamesa, TX 79331August 10, 1992Full Service Brick and Mortar

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