FDIC Certificate #: 3125 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Central Bank (#17612) Federal Reserve ID: 58850 Date Established: Febuary 03, 1903 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 1999 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: January 01, 1934 Last Structure Change Effective Date: April 07, 1999 Last Structure Change Process Date: April 09, 1999 Last Data Update: April 09, 1999 Data Source Date: April 05, 2012
Location
Address: 129 West Buck Street, Caldwell, TX 77836 County: Burleson 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 Core Based Statistical Area (CBSA): College Station-Bryan, TX (#17780) CBSA Metro Statistical Area: College Station-Bryan, TX (#17780)
Financial Summary
Total assets: $57.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$57,267Total assets
$1,774Cash and due from depository institutions
$0Interest-bearing balances
$21,898Securities
$7,350Federal funds sold & reverse repurchase agreements
$25,155Net loans & leases
$381Loan loss allowance
$0Trading account assets
$540Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$550All other assets
$57,267Total liabilities and capital
$50,703Total liabilities
$50,131Total deposits
$43,180Interest-bearing deposits
$50,131Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$47Other borrowed funds
$0Subordinated debt
$525All other liabilities
$6,564Total equity capital
$6,564Total bank equity capital
$6,564Perpetual preferred stock
$0Common stock
$100Surplus
$200Undivided profits
Memoranda
$6,264Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$819Earning assets
$215Long-term assets (5+ years)
$261Average Assets, year-to-date
$54,403Average Assets, quarterly
$5,380Volatile liabilities
$56,677Insider loans
$56,609FHLB advances
$6,119Loans and leases held for sale
$285Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,648Total unused commitments
$0Restructured Loans and leases
$30,045Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$4,079Total interest income
$1,791Total interest expense
$2,288Net interest income
-$10Provision for loan and lease losses
$302Total noninterest income
$0Fiduciary activities
$276Service charges on deposit accounts
$0Trading account gains & fees
$26Additional noninterest income
$1,516Total noninterest expense
$886Salaries and employee benefits
$136Premises and equipment expense
$494Additional noninterest expense
$1,084Pre-tax net operating income
$0Securities gains (losses)
$309Applicable income taxes
$775Income before extraordinary items
$0Extraordinary gains - net
$775Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$124Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.57%Yield on earning assets
3.32%Cost of funding earning assets
4.25%Net interest margin
0.56%Noninterest income to earning assets
2.81%Noninterest expense to earning assets
1.37%Net operating income to assets
1.37%Return on assets (ROA)
1.91%Pretax return on assets
12.51%Return on equity (ROE)
12.51%Retained earnings to average equity (YTD only)
0.55%Net charge-offs to loans
-8.06%Credit loss provision to net charge-offs
8.66%Efficiency ratio
58,533Assets per employee
2.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.49%Loss allowance to noncurrent loans
46.52%Noncurrent assets plus other real estate owned to assets
1.43%Noncurrent loans to loans
3.21%Net loans and leases to deposits
50.18%Net loans and leases to core deposits
57.09%Equity capital to assets
11.46%Core capital (leverage) ratio
11.16%Tier 1 risk-based capital ratio
21.46%Total risk-based capital ratio
Memoranda
$23Average assets
$56,677Average earning assets
$6,194Average equity
$53,889Average loans
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