The Yoakum National Bank in Yoakum, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Yoakum National Bank - Overview

  • General
  • FDIC Certificate #: 5595
    Status: Active
    Federal Reserve ID: 311265
    Bank Holding Company (Regulatory Top Holder): Yoakum National Bancshares, Inc. (RSSDID: 2287225, Location: Yoakum, TX)
    Date Established: January 01, 1890
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 3809
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 21, 2010
    Last Structure Change Process Date: June 21, 2010
    Last Data Update: June 21, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 West Grand Avenue, Yoakum, TX 77995
    County: De Witt
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $180.3 mil
    Equity capital: $22.5 mil
    Deposits held in domestic offices: $156.1 mil
    Return on assets (ROA): 1.01% ($1.8 mil)
    Quarterly return on assets: 1.24% ($2.2 mil)
    Return on Equity (ROE): 8.31% ($1.8 mil)
    Quarterly return on equity: 9.90% ($2.2 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.37% ($2,469.8 mil)
    Quarterly Pretax return on assets: 1.66% ($2,992.7 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
  • 30Total employees (full-time equivalent)
  • $180,281Total assets
  • $4,318Cash and due from depository institutions
  • $1,348Interest-bearing balances
  • $105,362Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $67,304Net loans & leases
  • $787Loan loss allowance
  • $0Trading account assets
  • $1,414Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $180,282Life insurance assets
  • $1,883All other assets
  • $157,810Total liabilities and capital
  • $156,070Total liabilities
  • $131,570Total deposits
  • $156,070Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,740Subordinated debt
  • $22,472All other liabilities
  • $22,472Total equity capital
  • $22,472Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $1,200Surplus
  • $20,072Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $389Income earned, not collected on loans
  • $0Earning assets
  • $1,124Long-term assets (5+ years)
  • $174,014Average Assets, year-to-date
  • $44,046Average Assets, quarterly
  • $172,820Volatile liabilities
  • $178,335Insider loans
  • $77,689FHLB advances
  • $176,046Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,074Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,959Restructured Loans and leases
  • $2,455Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,741Total interest income
  • $1,502Total interest expense
  • $5,239Net interest income
  • $95Provision for loan and lease losses
  • $465Total noninterest income
  • $0Fiduciary activities
  • $241Service charges on deposit accounts
  • $0Trading account gains & fees
  • $224Additional noninterest income
  • $3,238Total noninterest expense
  • $1,568Salaries and employee benefits
  • $498Premises and equipment expense
  • $1,172Additional noninterest expense
  • $2,371Pre-tax net operating income
  • $0Securities gains (losses)
  • $621Applicable income taxes
  • $1,750Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,750Net income attributable to bank
  • $0Net charge-offs
  • $1,750Cash dividends
  • $49Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.04%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.14%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 1.94%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 8.31%Return on equity (ROE)
  • 8.31%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 193.88%Credit loss provision to net charge-offs
  • 50.33%Efficiency ratio
  • 56,767Assets per employee
  • 6.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 202.31%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 43.12%Net loans and leases to core deposits
  • 47.64%Equity capital to assets
  • 12.46%Core capital (leverage) ratio
  • 11.40%Tier 1 risk-based capital ratio
  • 25.84%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $172,820Average earning assets
  • $21,065Average equity
  • $166,691Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03809The Yoakum National Bank301 West Grand Avenue, Yoakum, TX 77995January 01, 1890Full Service Brick and Mortar

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