BancCentral in Amarillo, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 10, 1993

BancCentral in Amarillo, Texas (TX)
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BancCentral - Overview

General
FDIC Certificate #: 17963
Status: Inactive
Closing history: Corrections
Acquiring institution: Amarillo National Bank (#14531)
Federal Reserve ID: 486556
Date Established: Febuary 05, 1959
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 11896
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: Febuary 05, 1959
Last Structure Change Effective Date: June 10, 1993
Last Structure Change Process Date: June 11, 1993
Last Data Update: August 24, 1994
Data Source Date: April 05, 2012
Location
Address: 712 North Taylor Street, Amarillo, TX 79107
County: Potter
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Lubbock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Amarillo, TX (#320)
Core Based Statistical Area (CBSA): Amarillo, TX (#11100)
CBSA Metro Statistical Area: Amarillo, TX (#11100)
History of Changes
Absorption - Assisted
Corrections
Financial Summary
Total assets: $34.7 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$29Total assets
$37,799Cash and due from depository institutions
$2,246Interest-bearing balances
$0Securities
$5,390Federal funds sold & reverse repurchase agreements
$7,250Net loans & leases
$19,326Loan loss allowance
$695Trading account assets
$0Bank premises and fixed assets
$1,476Other real estate owned
$1,455Goodwill and other intangibles
$301Life insurance assets
$355All other assets
$0Total liabilities and capital
$37,799Total liabilities
$37,156Total deposits
$37,076Interest-bearing deposits
$30,192Deposits held in domestic offices
37076.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$80Total equity capital
$80Total bank equity capital
$643Perpetual preferred stock
$0Common stock
$2,313Surplus
$2,312Undivided profits
Memoranda
$-3,982Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$894Income earned, not collected on loans
$128Earning assets
$31,966Long-term assets (5+ years)
$4,803Average Assets, year-to-date
$44,337Average Assets, quarterly
$38,862Volatile liabilities
$2,205Insider loans
$418FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,463Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$288Total risk weighted assets
$21,891Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$2,890Total interest expense
$1,207Net interest income
$1,683Provision for loan and lease losses
$1,110Total noninterest income
$453Fiduciary activities
$0Service charges on deposit accounts
$339Trading account gains & fees
$0Additional noninterest income
$114Total noninterest expense
$2,762Salaries and employee benefits
$945Premises and equipment expense
$347Additional noninterest expense
$1,470Pre-tax net operating income
-$1,736Securities gains (losses)
$17Applicable income taxes
$0Income before extraordinary items
-$1,719Extraordinary gains - net
$0Net income attributable to bank
-$1,719Net charge-offs
$1,742Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.63%Cost of funding earning assets
3.19%Net interest margin
4.44%Noninterest income to earning assets
1.20%Noninterest expense to earning assets
7.29%Net operating income to assets
-3.92%Return on assets (ROA)
-3.88%Pretax return on assets
-3.88%Return on equity (ROE)
-123.90%Retained earnings to average equity (YTD only)
-123.90%Net charge-offs to loans
7.03%Credit loss provision to net charge-offs
63.72%Efficiency ratio
127,856Assets per employee
1.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.47%Loss allowance to noncurrent loans
77.74%Noncurrent assets plus other real estate owned to assets
6.21%Noncurrent loans to loans
4.47%Net loans and leases to deposits
52.13%Net loans and leases to core deposits
55.42%Equity capital to assets
1.70%Core capital (leverage) ratio
0.74%Tier 1 risk-based capital ratio
1.32%Total risk-based capital ratio
Memoranda
$3Average assets
$44,337Average earning assets
$1,387Average equity
$37,890Average loans

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