FDIC Certificate #: 25168 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First State Bank of Texas (#10348) Federal Reserve ID: 650357 Date Established: May 31, 1984 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 #: 17417 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: May 31, 1984 Last Structure Change Effective Date: August 26, 1999 Last Structure Change Process Date: September 16, 1999 Last Data Update: September 16, 1999 Data Source Date: April 05, 2012
Location
Address: 443 East Highway 67, Duncanville, TX 75137 County: Dallas 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): Dallas, TX (#1920) 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: Dallas-Plano-Irving, TX (#19124)
Financial Summary
Total assets: $21.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$21,527Total assets
$1,019Cash and due from depository institutions
$0Interest-bearing balances
$45Securities
$7,351Federal funds sold & reverse repurchase agreements
$11,208Net loans & leases
$266Loan loss allowance
$0Trading account assets
$1,203Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$701All other assets
$21,527Total liabilities and capital
$20,560Total liabilities
$20,446Total deposits
$14,327Interest-bearing deposits
$20,446Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$114All other liabilities
$967Total equity capital
$967Total bank equity capital
$967Perpetual preferred stock
$0Common stock
$536Surplus
$954Undivided profits
Memoranda
$-523Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$199Earning assets
$0Long-term assets (5+ years)
$78Average Assets, year-to-date
$18,604Average Assets, quarterly
$166Volatile liabilities
$24,494Insider loans
$21,600FHLB advances
$700Loans and leases held for sale
$509Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,791Total unused commitments
$0Restructured Loans and leases
$14,420Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$1,484Total interest income
$429Total interest expense
$1,055Net interest income
$393Provision for loan and lease losses
$397Total noninterest income
$0Fiduciary activities
$336Service charges on deposit accounts
$0Trading account gains & fees
$61Additional noninterest income
$1,439Total noninterest expense
$622Salaries and employee benefits
$205Premises and equipment expense
$612Additional noninterest expense
-$380Pre-tax net operating income
$0Securities gains (losses)
-$37Applicable income taxes
-$343Income before extraordinary items
$0Extraordinary gains - net
-$343Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$314Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.99%Yield on earning assets
2.02%Cost of funding earning assets
4.97%Net interest margin
1.87%Noninterest income to earning assets
6.78%Noninterest expense to earning assets
-1.40%Net operating income to assets
-1.40%Return on assets (ROA)
-1.55%Pretax return on assets
-29.94%Return on equity (ROE)
-29.94%Retained earnings to average equity (YTD only)
2.45%Net charge-offs to loans
125.16%Credit loss provision to net charge-offs
0.04%Efficiency ratio
99,105Assets per employee
1.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.32%Loss allowance to noncurrent loans
133.67%Noncurrent assets plus other real estate owned to assets
0.92%Noncurrent loans to loans
1.73%Net loans and leases to deposits
54.82%Net loans and leases to core deposits
56.76%Equity capital to assets
4.49%Core capital (leverage) ratio
4.43%Tier 1 risk-based capital ratio
6.71%Total risk-based capital ratio
Memoranda
$8Average assets
$24,494Average earning assets
$1,146Average equity
$21,236Average loans
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