FDIC Certificate #: 23067 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Financial Bank, National Association (#3141) Federal Reserve ID: 863858 Date Established: March 10, 1980 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) FDIC's unique #: 16156 Numeric code: 13 Regulator: FED 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: March 10, 1980 Last Structure Change Effective Date: March 06, 1999 Last Structure Change Process Date: March 23, 1999 Last Data Update: March 23, 1999 Data Source Date: April 05, 2012
Location
Address: 200 North Ridgeway Drive, Cleburne, TX 76031 County: Johnson Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Fort Worth-Arlington, TX (#2800) Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31) Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Fort Worth-Arlington, TX (#23104)
Financial Summary
Total assets: $91.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
42Total employees (full-time equivalent)
$91,678Total assets
$4,843Cash and due from depository institutions
$0Interest-bearing balances
$41,646Securities
$10,655Federal funds sold & reverse repurchase agreements
$31,183Net loans & leases
$328Loan loss allowance
$0Trading account assets
$2,333Bank premises and fixed assets
$0Other real estate owned
$304Goodwill and other intangibles
$0Life insurance assets
$714All other assets
$91,678Total liabilities and capital
$83,561Total liabilities
$83,256Total deposits
$69,249Interest-bearing deposits
$83,256Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$305All other liabilities
$8,117Total equity capital
$8,117Total bank equity capital
$8,117Perpetual preferred stock
$730Common stock
$783Surplus
$3,231Undivided profits
Memoranda
$3,373Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$162Earning assets
$0Long-term assets (5+ years)
$169Average Assets, year-to-date
$83,484Average Assets, quarterly
$25,693Volatile liabilities
$85,856Insider loans
$87,206FHLB advances
$6,783Loans and leases held for sale
$1,010Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,151Total unused commitments
$0Restructured Loans and leases
$39,623Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$5,898Total interest income
$2,316Total interest expense
$3,582Net interest income
$50Provision for loan and lease losses
$1,004Total noninterest income
$0Fiduciary activities
$741Service charges on deposit accounts
$0Trading account gains & fees
$263Additional noninterest income
$2,930Total noninterest expense
$1,446Salaries and employee benefits
$422Premises and equipment expense
$1,062Additional noninterest expense
$1,606Pre-tax net operating income
$38Securities gains (losses)
$560Applicable income taxes
$1,084Income before extraordinary items
$0Extraordinary gains - net
$1,084Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$66Sale, conversion, retirement of capital stock, net
$319Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.57%Yield on earning assets
2.97%Cost of funding earning assets
4.60%Net interest margin
1.29%Noninterest income to earning assets
3.76%Noninterest expense to earning assets
1.23%Net operating income to assets
1.26%Return on assets (ROA)
1.91%Pretax return on assets
14.03%Return on equity (ROE)
9.90%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
75.76%Credit loss provision to net charge-offs
25.09%Efficiency ratio
62,887Assets per employee
2.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
29.43%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
202.47%Noncurrent assets plus other real estate owned to assets
0.18%Noncurrent loans to loans
0.51%Net loans and leases to deposits
37.45%Net loans and leases to core deposits
40.78%Equity capital to assets
8.85%Core capital (leverage) ratio
9.01%Tier 1 risk-based capital ratio
19.51%Total risk-based capital ratio
Memoranda
$20Average assets
$85,856Average earning assets
$7,724Average equity
$77,941Average loans
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