Austin Bank, Whitehouse, Texas, National Association in Whitehouse, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 10, 1999

  • Austin Bank, Whitehouse, Texas, National Association in Whitehouse, Texas (TX)
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Austin Bank, Whitehouse, Texas, National Association - Overview

  • General
  • FDIC Certificate #: 19483
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Austin Bank, Texas National Association (#3276)
    Federal Reserve ID: 296661
    Date Established: September 01, 1965
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 13283
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: September 01, 1965
    Last Structure Change Effective Date: May 10, 1999
    Last Structure Change Process Date: June 04, 1999
    Last Data Update: June 04, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Horton Street, Whitehouse, TX 75791
    County: Smith
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Tyler, TX (#8640)
    Combined Statistical Area (CSA): Tyler-Jacksonville, TX (#540)
    Core Based Statistical Area (CBSA): Tyler, TX (#46340)
    CBSA Metro Statistical Area: Tyler, TX (#46340)
  • Financial Summary
  • Total assets: $85.1 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 47Total employees (full-time equivalent)
  • $85,047Total assets
  • $4,251Cash and due from depository institutions
  • $0Interest-bearing balances
  • $34,908Securities
  • $1,925Federal funds sold & reverse repurchase agreements
  • $41,041Net loans & leases
  • $351Loan loss allowance
  • $0Trading account assets
  • $1,722Bank premises and fixed assets
  • $0Other real estate owned
  • $413Goodwill and other intangibles
  • $0Life insurance assets
  • $787All other assets
  • $85,047Total liabilities and capital
  • $77,636Total liabilities
  • $75,336Total deposits
  • $55,920Interest-bearing deposits
  • $75,336Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,112Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $188All other liabilities
  • $7,411Total equity capital
  • $7,411Total bank equity capital
  • $7,411Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $2,000Undivided profits
  • Memoranda
  • $4,411Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $26Earning assets
  • $0Long-term assets (5+ years)
  • $219Average Assets, year-to-date
  • $77,874Average Assets, quarterly
  • $16,677Volatile liabilities
  • $83,148Insider loans
  • $84,203FHLB advances
  • $7,533Loans and leases held for sale
  • $2,428Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,460Total unused commitments
  • $0Restructured Loans and leases
  • $50,040Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $5,957Total interest income
  • $2,250Total interest expense
  • $3,707Net interest income
  • $123Provision for loan and lease losses
  • $1,235Total noninterest income
  • $0Fiduciary activities
  • $942Service charges on deposit accounts
  • $0Trading account gains & fees
  • $293Additional noninterest income
  • $2,987Total noninterest expense
  • $1,667Salaries and employee benefits
  • $342Premises and equipment expense
  • $978Additional noninterest expense
  • $1,832Pre-tax net operating income
  • $0Securities gains (losses)
  • $610Applicable income taxes
  • $1,222Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,222Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $42Sale, conversion, retirement of capital stock, net
  • $370Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.78%Yield on earning assets
  • 2.94%Cost of funding earning assets
  • 4.84%Net interest margin
  • 1.61%Noninterest income to earning assets
  • 3.90%Noninterest expense to earning assets
  • 1.47%Net operating income to assets
  • 1.47%Return on assets (ROA)
  • 2.20%Pretax return on assets
  • 17.74%Return on equity (ROE)
  • 12.37%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 292.86%Credit loss provision to net charge-offs
  • 46.55%Efficiency ratio
  • 59,794Assets per employee
  • 1.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.28%Loss allowance to loans
  • 0.85%Loss allowance to noncurrent loans
  • 1350.00%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.06%Net loans and leases to deposits
  • 54.48%Net loans and leases to core deposits
  • 58.70%Equity capital to assets
  • 8.71%Core capital (leverage) ratio
  • 7.96%Tier 1 risk-based capital ratio
  • 13.66%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $83,148Average earning assets
  • $6,888Average equity
  • $76,528Average loans

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