FDIC Certificate #: 17539 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:United Bank Texas (#17758) Federal Reserve ID: 523255 Date Established: January 06, 1956 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 11514 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 06, 1956 Last Structure Change Effective Date: December 16, 1999 Last Structure Change Process Date: Febuary 11, 2000 Last Data Update: Febuary 11, 2000 Data Source Date: April 05, 2012
Location
Address: 504 St. Louis Street, Gonzales, TX 78629 County: Gonzales 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
Financial Summary
Total assets: $38.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
24Total employees (full-time equivalent)
$35,012Total assets
$1,706Cash and due from depository institutions
$0Interest-bearing balances
$19,301Securities
$1,300Federal funds sold & reverse repurchase agreements
$10,500Net loans & leases
$279Loan loss allowance
$0Trading account assets
$1,240Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$965All other assets
$35,012Total liabilities and capital
$32,769Total liabilities
$32,548Total deposits
$24,646Interest-bearing deposits
$32,548Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$221All other liabilities
$2,243Total equity capital
$2,243Total bank equity capital
$2,243Perpetual preferred stock
$0Common stock
$537Surplus
$1,123Undivided profits
Memoranda
$583Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$108Average Assets, year-to-date
$31,101Average Assets, quarterly
$5,850Volatile liabilities
$32,722Insider loans
$34,320FHLB advances
$2,695Loans and leases held for sale
$403Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,820Total unused commitments
$0Restructured Loans and leases
$15,742Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$2,157Total interest income
$777Total interest expense
$1,380Net interest income
$7Provision for loan and lease losses
$406Total noninterest income
$0Fiduciary activities
$357Service charges on deposit accounts
$0Trading account gains & fees
$49Additional noninterest income
$1,567Total noninterest expense
$761Salaries and employee benefits
$228Premises and equipment expense
$578Additional noninterest expense
$212Pre-tax net operating income
$1Securities gains (losses)
$0Applicable income taxes
$213Income before extraordinary items
$0Extraordinary gains - net
$213Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$9Sale, conversion, retirement of capital stock, net
$1,400Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.35%Yield on earning assets
2.65%Cost of funding earning assets
4.70%Net interest margin
1.38%Noninterest income to earning assets
5.34%Noninterest expense to earning assets
0.65%Net operating income to assets
0.65%Return on assets (ROA)
0.65%Pretax return on assets
6.77%Return on equity (ROE)
-37.71%Retained earnings to average equity (YTD only)
-0.09%Net charge-offs to loans
-77.78%Credit loss provision to net charge-offs
0.00%Efficiency ratio
87,738Assets per employee
1.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
657.28%Loss allowance to loans
2.59%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
32.26%Net loans and leases to core deposits
35.17%Equity capital to assets
6.41%Core capital (leverage) ratio
6.22%Tier 1 risk-based capital ratio
13.61%Total risk-based capital ratio
Memoranda
$15Average assets
$32,722Average earning assets
$3,147Average equity
$29,366Average loans
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