The Falls City National Bank Mortgage Rates, Fees & Info
Falls City, TX
LEI: 549300LL55GPEKSXNY85
Tax ID: 74-0617530
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Mortgage Data
Bank Data
Review & Overview
The Falls City National Bank is a smaller bank specializing in
various types of mortgages.
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Originations
0
Origination Dollar Volume (All Markets)
$0
Employee count
29
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| The Falls City National Bank |
14565 Fm 775 Floresville, TX 78114 |
Full Service B&M
|
$31,707 |
| The Falls City National Bank |
Dillworth Plaza Poth, TX 78147 |
Full Service B&M
|
$65,892 |
| The Falls City National Bank |
Highway 181 And Mavrick Falls City, TX 78113 |
Full Service B&M
|
$331,867 |
For 2021, The Falls City National Bank had 3 branches.
Yearly Performance Overview
Bank Income
The Falls City National Bank's gross interest income from loans was $11,839,000.
The Falls City National Bank's net interest income from loans was $11,321,000.
The Falls City National Bank's fee based income from loans was $384,000.
The Falls City National Bank's net income from loans was $6,184,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$518 |
| Provision for credit losses |
$200 |
| Total noninterest expense |
$4,194 |
| Salaries and employee benefits |
$2,229 |
| Premises and equipment expense |
$221 |
| Additional noninterest expense |
$1,744 |
| Applicable income taxes |
$1,324 |
| Net charge-offs |
$138 |
| Cash dividends |
$2,000 |
The Falls City National Bank's interest expense for loans was $518,000.
The Falls City National Bank's payroll and benefits expense were $2,229,000.
The Falls City National Bank's property, plant and equipment expenses $221,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$469,753 |
| Deposits held in domestic offices |
$469,753 |
| Deposits by Individuals, partnerships, and corporations |
$388,309 |
| Deposits by U.S. Government |
$0 |
| Deposits by States and political subdivisions in the U.S. |
$81,444 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$0 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$213,834 |
| Demand deposits |
$190,594 |
| Nontransaction accounts |
$255,919 |
| Money market deposit accounts (MMDAs) |
$159,788 |
| Other savings deposits (excluding MMDAs) |
$42,756 |
| Total time deposits |
$53,376 |
| Total time and savings deposits |
$279,159 |
| Noninterest-bearing deposits |
$190,593 |
| Interest-bearing deposits |
$279,159 |
| Retail deposits |
$448,076 |
| IRAs and Keogh plan accounts |
$4,145 |
| Brokered deposits |
$0 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$529,260 |
| Cash & Balances due from depository institutions |
$201,501 |
| Interest-bearing balances |
$191,272 |
| Total securities |
$204,814 |
| Federal funds sold & reverse repurchase |
$0 |
| Net loans and leases |
$121,039 |
| Loan and leases loss allowance |
$1,729 |
| Trading account assets |
$0 |
| Bank premises and fixed assets |
$429 |
| Other real estate owned |
$84 |
| Goodwill and other intangibles |
$0 |
| All other assets |
$1,393 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$529,260 |
| Total Liabilities |
$470,092 |
| Total deposits |
$469,753 |
| Interest-bearing deposits |
$279,159 |
| Deposits held in domestic offices |
$469,753 |
| % insured (estimated) |
$54 |
| Federal funds purchased and repurchase agreements |
$0 |
| Trading liabilities |
$0 |
| Other borrowed funds |
$0 |
| Subordinated debt |
$0 |
| All other liabilities |
$339 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$121,039 |
| Loan and leases loss allowance |
$1,729 |
| Total loans and leases (domestic) |
$122,768 |
| All real estate loans |
$99,908 |
| Real estate loans in domestic offices |
$99,908 |
| Construction and development loans |
$32,273 |
| Residential 1-4 family construction |
$26,399 |
| Other construction, all land development and other land |
$5,874 |
| Loans secured by nonfarm nonresidential properties |
$20,673 |
| Nonfarm nonresidential secured by owner-occupied properties |
$8,391 |
| Commercial real estate & other non-farm, non-residential |
$12,282 |
| Multifamily residential real estate |
$0 |
| 1-4 family residential loans |
$37,273 |
| Farmland loans |
$9,689 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$3,721 |
| Commercial and industrial loans |
$7,270 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$11,611 |
| Credit card loans |
$0 |
| Related Plans |
$0 |
| Consumer Auto Loans |
$3,121 |
| Other loans to individuals |
$8,490 |
| All other loans & leases |
$258 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$258 |
| Loans to depository institutions and acceptances of other banks |
$0 |
| Loans not secured by real estate |
$0 |
| Loans secured by real estate to non-U.S. addressees |
$0 |
| Restructured Loans & leases |
$571 |
| Non 1-4 family restructured loans & leases |
$571 |
| Total loans and leases (foreign) |
$0 |
The Falls City National Bank had $121,039,000 of loans outstanding in 2021. $99,908,000 of loans were in real estate loans.
$32,273,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans.
$37,273,000 of loans were in 1-4 family mortgage loans. $3,721,000 of loans were in farm loans. $0
of loans were in credit card loans. $3,121,000 of loans were in the auto loan category.
Small Business Loans
| Categorization |
# of Loans in Category |
$ amount of loans (in 000's) |
Average $/loan |
| Nonfarm, nonresidential loans - <$1MM |
97 |
$17,348 |
$178,845 |
| Nonfarm, nonresidential loans - <$100k |
21 |
$862 |
$41,048 |
| Nonfarm, nonresidential loans - $100-250k |
41 |
$4,967 |
$121,146 |
| Nonfarm, nonresidential loans - $250k-1MM |
35 |
$11,519 |
$329,114 |
| Commercial & Industrial, US addressed loans - <$1MM |
160 |
$7,270 |
$45,438 |
| Commercial & Industrial, US addressed loans - <$100k |
137 |
$2,824 |
$20,613 |
| Commercial & Industrial, US addressed loans - $100-250k |
17 |
$1,760 |
$103,529 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
6 |
$2,686 |
$447,667 |
| Farmland loans - <$1MM |
58 |
$7,010 |
$120,862 |
| Farmland loans - <$100k |
16 |
$542 |
$33,875 |
| Farmland loans - $100-250k |
30 |
$2,985 |
$99,500 |
| Farmland loans - $250k-1MM |
12 |
$3,483 |
$290,250 |
| Agriculture operations loans - <$1MM |
137 |
$3,721 |
$27,161 |
| Agriculture operations loans - <$100k |
128 |
$2,574 |
$20,109 |
| Agriculture operations loans - $100-250k |
7 |
$674 |
$96,286 |
| Agriculture operations loans - $250k-1MM |
2 |
$473 |
$236,500 |