Vitals
  • Total Assets
    441.4M 6.1 %
  • Total Deposits
    345.4M 6.3 %
  • Total Net Loans
    390.4M 9.1 %
  • Net Income
    7.1M -12.5 %
  • Book Value
    43.4M 6.0 %
  • Book Value x2
    86.8M 6.0 %
  • Book Value x3
    130.2M 6.0 %
ROAA

1.633

ROAE

16.613

Efficiency Ratio

69.951

Net Interest Margin

4.49

Balance Sheet Highlights
Financial Highlights First National Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 441,375 358,087
Total Net Loans 390,391 213,533
Total Deposits 345,370 308,027
Total Equity 43,409 38,740
Profitability
Net Income 7,122 3,845
Return on Average Assets 1.633 1.025
Return on Average Equity 16.613 9.415
Net Interest Margin 4.49 3.773
Efficiency Ratio 69.951 66.762
Noninterest Income/Revenue 29.71 16.375
Balance Sheet Ratios
Loan-to-Deposit 113.036 65.494
Securities/Assets .059 .214
Total Equity/Total Assets .098 .108
Tangible Equity/Tangible Assets .098 .104
Capital Adequacy
Tier 1 Common Capital 42,866 37,278
Tier 1 Capital 42,866 37,303
Tier 2 Capital 4,782 2,526
Total Capital 47,648 39,866
Total Risk Weighted Assets 382,432 237,367
Leverage Ratio 9.47 10.563
Common Equity Tier 1 Capital Ratio 11.21 18.073
Tier 1 Capital Ratio 11.21 18.097
Total Capital Ratio 12.46 19.169

Timeline for First National Bank

Wichita Falls Financial Corporation

Wichita Falls Financial Corporation became a new parent organization for First National Bank.

View Profile Sep 29 1997

First National Bank

First National Bank was established 38 years ago and is currently headquartered in Wichita Falls, TX.

Jan 29 1986

Wichita Falls Bancshares, Inc.

Wichita Falls Bancshares, Inc. became a new parent organization for First National Bank.

View Profile Jan 29 1986
Relationships Role Relationship Start Relationship End
Wichita Falls Bancshares, Inc. Parent 3/11/2008
Wichita Falls Financial Corporation Parent 9/29/1997 3/10/2008
Wichita Falls Bancshares, Inc. Parent 1/29/1986 9/28/1997
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