FDIC Certificate #: 11556 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First State Bank of Texas (#10348) Federal Reserve ID: 214553 Date Established: October 02, 1909 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 12446 FDIC's unique #: 7384 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: April 20, 2000 Last Structure Change Process Date: June 28, 2000 Last Data Update: June 28, 2000 Data Source Date: April 05, 2012
Location
Address: 2 East Main Street, Bellville, TX 77418 County: Austin Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288) Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420) CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
Financial Summary
Total assets: $73.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
29Total employees (full-time equivalent)
$77,559Total assets
$2,492Cash and due from depository institutions
$84Interest-bearing balances
$31,653Securities
$2,166Federal funds sold & reverse repurchase agreements
$34,306Net loans & leases
$584Loan loss allowance
$0Trading account assets
$1,099Bank premises and fixed assets
$208Other real estate owned
$4,161Goodwill and other intangibles
$0Life insurance assets
$1,474All other assets
$77,559Total liabilities and capital
$67,637Total liabilities
$67,133Total deposits
$55,895Interest-bearing deposits
$67,133Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$504All other liabilities
$9,922Total equity capital
$9,922Total bank equity capital
$9,922Perpetual preferred stock
$0Common stock
$300Surplus
$10,961Undivided profits
Memoranda
$-1,339Noncurrent loans and leases
$3,760Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$127Earning assets
$0Long-term assets (5+ years)
$273Average Assets, year-to-date
$68,209Average Assets, quarterly
$22,446Volatile liabilities
$81,691Insider loans
$77,860FHLB advances
$8,146Loans and leases held for sale
$1,220Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,760Total unused commitments
$0Restructured Loans and leases
$556Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$5,399Total interest income
$2,242Total interest expense
$3,157Net interest income
$15Provision for loan and lease losses
$572Total noninterest income
$0Fiduciary activities
$457Service charges on deposit accounts
$0Trading account gains & fees
$115Additional noninterest income
$3,218Total noninterest expense
$1,306Salaries and employee benefits
$365Premises and equipment expense
$1,547Additional noninterest expense
$496Pre-tax net operating income
$17Securities gains (losses)
$195Applicable income taxes
$318Income before extraordinary items
$0Extraordinary gains - net
$318Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$68Sale, conversion, retirement of capital stock, net
$420Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.53%Yield on earning assets
3.13%Cost of funding earning assets
4.40%Net interest margin
0.80%Noninterest income to earning assets
4.49%Noninterest expense to earning assets
0.38%Net operating income to assets
0.39%Return on assets (ROA)
0.63%Pretax return on assets
3.01%Return on equity (ROE)
-0.96%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
22.06%Credit loss provision to net charge-offs
7.51%Efficiency ratio
77,072Assets per employee
2.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
132.08%Loss allowance to loans
1.67%Loss allowance to noncurrent loans
459.84%Noncurrent assets plus other real estate owned to assets
0.43%Noncurrent loans to loans
0.36%Net loans and leases to deposits
51.10%Net loans and leases to core deposits
58.16%Equity capital to assets
12.79%Core capital (leverage) ratio
8.74%Tier 1 risk-based capital ratio
14.66%Total risk-based capital ratio
Memoranda
$16Average assets
$81,691Average earning assets
$10,578Average equity
$71,680Average loans
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