The Yoakum National Bank in Yoakum, Texas (TX)

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The Yoakum National Bank routing number info

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The Yoakum National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)30
Total assets$180,281
Cash and due from depository institutions$4,318
Interest-bearing balances$1,348
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$67,304
Loan loss allowance $787
Trading account assets$0
Bank premises and fixed assets$1,414
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,883
Life insurance assets$180,282
Total liabilities and capital$157,810
Total liabilities$156,070
Total deposits$131,570
Interest-bearing deposits$156,070
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,740
All other liabilities $22,472
Total equity capital$22,472
Total bank equity capital$22,472
Perpetual preferred stock$0
Common stock$1,200
Undivided profits $20,072
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 $389
Earning assets $0
Long-term assets (5+ years) $1,124
Average Assets, year-to-date $174,014
Average Assets, quarterly $44,046
Volatile liabilities $172,820
Insider loans $178,335
FHLB advances $77,689
Loans and leases held for sale $176,046
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $20,074
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,959
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,741
Total interest expense $1,502
Net interest income $5,239
Provision for loan and lease losses $95
Total noninterest income $465
Fiduciary activities $0
Service charges on deposit accounts $241
Trading account gains & fees $0
Additional noninterest income $224
Total noninterest expense $3,238
Salaries and employee benefits $1,568
Premises and equipment expense $498
Additional noninterest expense $1,172
Pre-tax net operating income $2,371
Securities gains (losses) $0
Applicable income taxes $621
Income before extraordinary items $1,750
Extraordinary gains - net $0
Net income attributable to bank $1,750
Net charge-offs $0
Cash dividends $1,750
Sale, conversion, retirement of capital stock, net $49
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.04%
Cost of funding earning assets 0.90%
Net interest margin 3.14%
Noninterest income to earning assets 0.28%
Noninterest expense to earning assets 1.94%
Net operating income to assets 1.01%
Return on assets (ROA) 1.01%
Pretax return on assets 1.37%
Return on equity (ROE) 8.31%
Retained earnings to average equity (YTD only) 8.31%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 193.88%
Efficiency ratio50.33%
Assets per employee$56,767
Cash dividends to net income (YTD only)6.01%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.16%
Noncurrent assets plus other real estate owned to assets 202.31%
Noncurrent loans to loans 0.22%
Net loans and leases to deposits0.57%
Net loans and leases to core deposits 43.12%
Equity capital to assets 47.64%
Core capital (leverage) ratio 12.46%
Tier 1 risk-based capital ratio 11.40%
Total risk-based capital ratio 25.84%
Average assets$27
Average earning assets$172,820
Average equity $21,065
Average loans $166,691
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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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