FDIC Certificate #: 11570 Status: Active Federal Reserve ID: 748357 Date Established: January 01, 1907 WWW:http://www.chappellhillbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7392 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 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 5060 Main Street, Chappell Hill, TX 77426 County: Washington 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): Brenham, TX (#14780) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $23.2 mil Equity capital: $3.1 mil Deposits held in domestic offices: $19.4 mil Return on assets (ROA): -1.18% (-$0.3 mil) Quarterly return on assets: -1.02% (-$0.2 mil) Return on Equity (ROE): -8.35% (-$0.3 mil) Quarterly return on equity: -7.72% (-$0.2 mil) Net income: -$0.3 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -1.18% (-$273.2 mil) Quarterly Pretax return on assets: -1.02% (-$236.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$23,152Total assets
$6,570Cash and due from depository institutions
$3,411Interest-bearing balances
$1,639Securities
$8,650Federal funds sold & reverse repurchase agreements
$5,531Net loans & leases
$460Loan loss allowance
$0Trading account assets
$107Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$23,152Life insurance assets
$655All other assets
$20,074Total liabilities and capital
$19,369Total liabilities
$14,892Total deposits
$19,369Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$647Trading liabilities
$0Other borrowed funds
$58Subordinated debt
$3,078All other liabilities
$3,078Total equity capital
$3,078Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,500Surplus
$1,478Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$233Income earned, not collected on loans
$0Earning assets
$28Long-term assets (5+ years)
$19,231Average Assets, year-to-date
$2,557Average Assets, quarterly
$22,637Volatile liabilities
$23,563Insider loans
$7,866FHLB advances
$23,353Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,078Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$493Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$522Total interest income
$210Total interest expense
$312Net interest income
$42Provision for loan and lease losses
$76Total noninterest income
$0Fiduciary activities
$70Service charges on deposit accounts
$0Trading account gains & fees
$6Additional noninterest income
$614Total noninterest expense
$235Salaries and employee benefits
$46Premises and equipment expense
$333Additional noninterest expense
-$268Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$268Income before extraordinary items
$0Extraordinary gains - net
-$268Net income attributable to bank
$0Net charge-offs
-$268Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.77%Yield on earning assets
1.11%Cost of funding earning assets
1.65%Net interest margin
0.40%Noninterest income to earning assets
3.25%Noninterest expense to earning assets
-1.18%Net operating income to assets
-1.18%Return on assets (ROA)
-1.18%Pretax return on assets
-8.35%Return on equity (ROE)
-8.35%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
158,247Assets per employee
3.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
7.68%Loss allowance to noncurrent loans
197.42%Noncurrent assets plus other real estate owned to assets
1.01%Noncurrent loans to loans
3.89%Net loans and leases to deposits
28.56%Net loans and leases to core deposits
31.80%Equity capital to assets
13.29%Core capital (leverage) ratio
13.18%Tier 1 risk-based capital ratio
39.13%Total risk-based capital ratio
Memoranda
$40Average assets
$22,637Average earning assets
$3,209Average equity
$18,872Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7392
Chappell Hill Bank
5060 Main Street, Chappell Hill, TX 77426
January 01, 1907
Full Service Brick and Mortar
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