FDIC Certificate #: 11942 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Prosperity Bank (#16835) Federal Reserve ID: 475363 Bank Holding Company (Regulatory Top Holder): Texas Bankers, Inc. (RSSDID: 1108640, Location: Austin, TX) Date Established: September 16, 1907 WWW:http://www.thebankoftexas.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Domestic: 3, Interstate: No) OTS Docket #: 12308 FDIC's unique #: 7626 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 15, 1934 Last Structure Change Effective Date: January 01, 2012 Last Structure Change Process Date: January 05, 2012 Last Data Update: January 05, 2012 Data Source Date: April 05, 2012
Location
Address: 1005 Congress Avenue, Suite 100, Austin, TX 78701 County: Travis Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640) Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126) Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420) CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
Financial Summary
Total assets: $77.9 mil Equity capital: $7.4 mil Deposits held in domestic offices: $70.4 mil Return on assets (ROA): -1.05% (-$0.8 mil) Quarterly return on assets: -2.90% (-$2.3 mil) Return on Equity (ROE): -9.83% (-$0.7 mil) Quarterly return on equity: -27.87% (-$2.0 mil) Net income: -$0.8 mil Quarterly Net income: -$0.5 mil Pretax return on assets: -1.63% (-$1,270.1 mil) Quarterly Pretax return on assets: -4.44% (-$3,459.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 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, 2011)
Dollar figures in thousands
21Total employees (full-time equivalent)
$77,920Total assets
$44,565Cash and due from depository institutions
$42,990Interest-bearing balances
$32Securities
$0Federal funds sold & reverse repurchase agreements
$26,867Net loans & leases
$716Loan loss allowance
$0Trading account assets
$3,052Bank premises and fixed assets
$38Other real estate owned
$0Goodwill and other intangibles
$77,920Life insurance assets
$3,366All other assets
$70,477Total liabilities and capital
$70,428Total liabilities
$49,388Total deposits
$70,428Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$49Subordinated debt
$7,443All other liabilities
$7,443Total equity capital
$7,443Total bank equity capital
$0Perpetual preferred stock
$45Common stock
$7,155Surplus
$243Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$336Income earned, not collected on loans
$0Earning assets
$121Long-term assets (5+ years)
$69,889Average Assets, year-to-date
$179Average Assets, quarterly
$75,547Volatile liabilities
$74,618Insider loans
$28,390FHLB advances
$73,120Loans and leases held for sale
$1,825Unused loan commitments
$1,825Tier 1 (core) risk-based capital
$6,463Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,701Restructured Loans and leases
$435Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,230Total interest income
$184Total interest expense
$2,046Net interest income
$75Provision for loan and lease losses
$495Total noninterest income
$0Fiduciary activities
$219Service charges on deposit accounts
$0Trading account gains & fees
$276Additional noninterest income
$3,697Total noninterest expense
$2,017Salaries and employee benefits
$554Premises and equipment expense
$1,126Additional noninterest expense
-$1,231Pre-tax net operating income
$0Securities gains (losses)
-$439Applicable income taxes
-$792Income before extraordinary items
$0Extraordinary gains - net
-$792Net income attributable to bank
$0Net charge-offs
-$792Cash dividends
$155Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.29%Yield on earning assets
0.27%Cost of funding earning assets
3.02%Net interest margin
0.73%Noninterest income to earning assets
5.46%Noninterest expense to earning assets
-1.05%Net operating income to assets
-1.05%Return on assets (ROA)
-1.63%Pretax return on assets
-9.83%Return on equity (ROE)
-9.83%Retained earnings to average equity (YTD only)
0.50%Net charge-offs to loans
48.39%Credit loss provision to net charge-offs
-7.46%Efficiency ratio
145,494Assets per employee
3.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.60%Loss allowance to noncurrent loans
213.10%Noncurrent assets plus other real estate owned to assets
0.48%Noncurrent loans to loans
1.22%Net loans and leases to deposits
38.15%Net loans and leases to core deposits
38.29%Equity capital to assets
9.55%Core capital (leverage) ratio
8.84%Tier 1 risk-based capital ratio
22.77%Total risk-based capital ratio
Memoranda
$24Average assets
$75,547Average earning assets
$8,059Average equity
$67,685Average loans
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