FDIC Certificate #: 24943 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Compass Bank (#27419) Federal Reserve ID: 836955 Date Established: Febuary 01, 1984 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 13 (Interstate: No) OTS Docket #: 9753 FDIC's unique #: 17286 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: Febuary 01, 1984 Last Structure Change Effective Date: Febuary 06, 1998 Last Structure Change Process Date: March 04, 1998 Last Data Update: March 04, 1998 Data Source Date: April 05, 2012
Location
Address: 6501 Hillcrest, University Park, TX 75225 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: $334.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
93Total employees (full-time equivalent)
$334,904Total assets
$38,727Cash and due from depository institutions
$8,787Interest-bearing balances
$93,733Securities
$34,530Federal funds sold & reverse repurchase agreements
$150,566Net loans & leases
$2,448Loan loss allowance
$0Trading account assets
$9,436Bank premises and fixed assets
$98Other real estate owned
$4,536Goodwill and other intangibles
$0Life insurance assets
$3,278All other assets
$334,904Total liabilities and capital
$310,272Total liabilities
$305,999Total deposits
$196,392Interest-bearing deposits
$305,999Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,500Other borrowed funds
$0Subordinated debt
$1,773All other liabilities
$24,632Total equity capital
$24,632Total bank equity capital
$24,632Perpetual preferred stock
$0Common stock
$10,047Surplus
$4,517Undivided profits
Memoranda
$10,068Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$345Earning assets
$0Long-term assets (5+ years)
$829Average Assets, year-to-date
$287,616Average Assets, quarterly
$41,134Volatile liabilities
$315,860Insider loans
$326,432FHLB advances
$32,684Loans and leases held for sale
$1,586Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$23,782Total unused commitments
$0Restructured Loans and leases
$179,266Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$22,509Total interest income
$7,563Total interest expense
$14,946Net interest income
$1,929Provision for loan and lease losses
$2,671Total noninterest income
$0Fiduciary activities
$1,476Service charges on deposit accounts
$0Trading account gains & fees
$1,195Additional noninterest income
$11,682Total noninterest expense
$5,332Salaries and employee benefits
$2,182Premises and equipment expense
$4,168Additional noninterest expense
$4,006Pre-tax net operating income
$0Securities gains (losses)
$1,492Applicable income taxes
$2,514Income before extraordinary items
$0Extraordinary gains - net
$2,514Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$62Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.26%Yield on earning assets
2.77%Cost of funding earning assets
5.48%Net interest margin
0.98%Noninterest income to earning assets
4.28%Noninterest expense to earning assets
0.80%Net operating income to assets
0.80%Return on assets (ROA)
1.27%Pretax return on assets
10.55%Return on equity (ROE)
10.55%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
3111.29%Credit loss provision to net charge-offs
95.73%Efficiency ratio
64,330Assets per employee
3.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
709.57%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.23%Net loans and leases to deposits
49.20%Net loans and leases to core deposits
54.59%Equity capital to assets
7.35%Core capital (leverage) ratio
6.29%Tier 1 risk-based capital ratio
11.21%Total risk-based capital ratio
Memoranda
$12Average assets
$315,860Average earning assets
$23,828Average equity
$272,631Average loans
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