The First National Bank Of Ballinger Information

Above: 1886 The first building to house The First National Bank of Ballinger.

Left: A picture from the "1909 Ballinger Directory" of the First National Bank of Ballinger.

Right: A picture in 1936 of The First National Bank of Ballinger.

1886, 1936 and 1966 Statements of Condition

History

When the Santa Fe Railroad was pushing the railroad into this then undeveloped country, Santa Fe officials decided to build a town on the banks of the Colorado River. June 29, 1886 brought one of the largest crowds Ballinger has ever had. It is estimated that over 5,000 people attended the town lot sale that day. Some arrived days before in covered wagons and pitched camp along the Elm Creek or Colorado River to await the sale. Others arrived on horseback, came in hacks or buggies or arrived on special trains. These people came to buy town lots and remain in the new town of Ballinger.

A group of local and out-of-town men met in a train coach on the newly constructed Santa Fe tracks to form a bank. These men of vision could see that the new town must have a financial institution to take care of the future banking needs. From that meeting The First National Bank of Ballinger was born with total capital described at $50,000.

Throughout the last century, The First National Bank of Ballinger has seen changes in ownership and locations. It has seen drastic growth of the bank and the community of Ballinger. The First National Bank of Ballinger is proud of its history and looks forward to contributing many more years of history and service to the citizens of Ballinger and the surrounding community. While The First National Bank of Ballinger has seen many changes, one thing has not changed--the support of our friends and neighbors. We have pride in our history. We are a part of this community's history and they have made us a part of theirs. All of us at The First National Bank of Ballinger would like to say "THANK YOU".

STATEMENT OF CONDITION
THE FIRST NATIONAL BANK
of Ballinger, Texas
June 30, 2008

ASSETS
Cash and balances due from depository institutions:
Non-interest-bearing balances and currency and coin ..................................	........... .	6,381
Interest-bearing balances ..................................................................................	..........	4,062
Securities:
Held-to-maturity securities ................................................................................	..........	0
Available-for-sale securities ..............................................................................	..........	37,164
Federal Funds Sold and securities purchased under agreements to resell
Federal Funds Sold ...............................................................................................	..........	2,650
Securities purchased under agreements to resell .............................................	...........	0
Loans and lease financing receivables:
Loans and leases held for sale ....................................................................	......	2,230
Loans and leases, net of unearned income ..................................................	61,943
LESS: Allowance for loan and lease losses ................................................	736
Loans and leases, net of unearned income, allowance, and reserve ..........	...........	61,207
Trading Assets ...............................................................................................................	...........	0
Premises and fixed assets (including capitalized leases) ..........................................	...........	3,776
Other real estate owned ................................................................................................	...........	0
Investments in unconsolidated subsidiaries and associated companies..............	...........	0
Customers' liability to this bank on acceptance outstanding...................................	..........	0
Intangible assets	.
Goodwill.................................................................................................................	..........	1,088
Other Intangible assets........................................................................................	..........	0
Other assets ....................................................................................................................	...........	3,005
Total assets .....................................................................................................................	...........	121,563


LIABILITIES
Deposits:
In domestic offices ...........................................................................................	...........	110,833
Non-interest-bearing ....................................................................................	21,538
Interest-bearing .............................................................................................	89,298
Federal funds purchased and securities sold under agreements to repurchase		0
Federal Funds Purchased................................................................................	..........	0
Securities sold under agreement to repurchase ...........................................	...........	0
Trading liabilities ............................................................................................................	.........	0
Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) ...	..........	0
Bank's liabilities on acceptancees executed and outstanding..................................	..........	0
Subordinated notes and debentures..............................................................................	.........	0
Other liabilities ................................................................................................................	...........	584
Total liabilities ................................................................................................................	...........	111,417
Minority interest in consolidated subsidiaries..........................................................	..........	0

EQUITY CAPITAL
Perpetual preferred stock and related surplus..............................................................	..........	0
Common Stock ...................................................................................................................	...........	100
Surplus (excludes mortgage indebtedness and obligations under capitalized leases)................................	...........	7,979
Retail earnings ...................................................................................................................	...........	2,525
Accumulated other comprehensive income .................................................................	..........	(458)
Other equity capital components...................................................................................	...........	0
Total equity capital ........................................................................................................	...........	10,146
Total liabilities, limited-life preferred stock, equity capital, and losses..................	...........	121,563

**Values are stated in thousands of dollars

We are grateful to our friends and customers for their continued confidence and support which has made our growth possible.

=== 116 YEARS OF DEPENDABLE SERVICE ===
--Member of Federal Deposit Insurance Corporation --

The First National Bank Officers

	Greg W. Schwertner	President & CEO
	Beverly Everett	Vice-President / CRA Officer
	Stan Bickel	Vice-President
	Pam Halfmann	Senior Vice-President / Cashier/Secretary to the Board/Compliance Officer-Operations/BSA Officer.
	Benny Martinez	Senior Vice-President & Data Processing/OFAC Offier
	Mary Anderson	Assistant Cashier
	Vivian Keele	Loan Administration Officer
	Linda Little	Loan Administration Officer
	Debbie King	Assistant Vice-President

Bank Of San Angelo Officers

	John R. Childers	Branch President
	Susan Pulley	Senior Vice-President/Mortgage Lending
	Reagan Everett	Vice-President/Mortgage Lending
	Mellissa Blair	Vice-President
	Alana Dakan Tessa Easley Reid Stutz	Assistant Vice-President Assistant Vice-President/ Lending Assistant Vice-President/ Lending/ Asst. Security Officer.
	Andrew Barrett	Vice-President/Compliance Officer-Lending
	Renee Crowder	Assistant Vice President/Mortgage Lending
	Wendy Frerich	Loan Administration Officer
	Dottie Chaka	Loan Processing Officer

Left to Right: Michael R. Davis, John R. Childers, Greg W. Schwertner,
Joe Kim King, Brian C. Richards, Ray A. Dierschke

DIRECTORS

Joe Kim King - Chairman of the Board

Michael R. Davis	Greg W. Schwertner	Ray A. Dierschke
Brian C. Richards - Advisory	John R. Childers

Pulse ATM Locations
Wes-T-Go 400 S. Main - Winters
911 Hutchings - Ballinger
2635 Valleyview Blvd., San Angelo

Contact Information
The First National Bank
Of Ballinger
P.O. Box 680
911 Hutchings
Ballinger, TX 76821
phone: (325) 365-2525 fax: (325) 365-2132

fnbb@fnbballinger.com

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