FDIC Certificate #: 23883 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Regions Bank (#12368) Federal Reserve ID: 632755 Date Established: June 10, 1982 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Interstate: No) OTS Docket #: 13124 FDIC's unique #: 16682 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: June 10, 1982 Last Structure Change Effective Date: April 05, 2002 Last Structure Change Process Date: April 30, 2002 Last Data Update: April 30, 2002 Data Source Date: April 05, 2012
Location
Address: 810 West Main Street, Tomball, TX 77375 County: Harris Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Atlanta FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Houston, TX (#3360) Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42) Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288) Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420) CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
Financial Summary
Total assets: $166.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
86Total employees (full-time equivalent)
$183,177Total assets
$3,888Cash and due from depository institutions
$0Interest-bearing balances
$0Securities
$86,421Federal funds sold & reverse repurchase agreements
$87,801Net loans & leases
$745Loan loss allowance
$0Trading account assets
$3,674Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,393All other assets
$183,177Total liabilities and capital
$171,472Total liabilities
$168,656Total deposits
$126,636Interest-bearing deposits
$168,656Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,170Other borrowed funds
$0Subordinated debt
$1,646All other liabilities
$11,705Total equity capital
$11,705Total bank equity capital
$11,705Perpetual preferred stock
$0Common stock
$295Surplus
$8,000Undivided profits
Memoranda
$3,410Noncurrent loans and leases
$28,348Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$12Earning assets
$0Long-term assets (5+ years)
$654Average Assets, year-to-date
$174,222Average Assets, quarterly
$35,629Volatile liabilities
$167,262Insider loans
$178,367FHLB advances
$42,327Loans and leases held for sale
$120Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$28,348Total unused commitments
$60Restructured Loans and leases
$745Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$542Total interest income
$302Total interest expense
$240Net interest income
$0Provision for loan and lease losses
$201Total noninterest income
$0Fiduciary activities
$154Service charges on deposit accounts
$0Trading account gains & fees
$47Additional noninterest income
$481Total noninterest expense
$378Salaries and employee benefits
$5Premises and equipment expense
$98Additional noninterest expense
-$40Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$40Income before extraordinary items
$0Extraordinary gains - net
-$40Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$238Sale, conversion, retirement of capital stock, net
$950Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
0.36%Yield on earning assets
0.20%Cost of funding earning assets
0.16%Net interest margin
0.13%Noninterest income to earning assets
0.32%Noninterest expense to earning assets
-0.02%Net operating income to assets
-0.02%Return on assets (ROA)
-0.02%Pretax return on assets
-0.32%Return on equity (ROE)
-7.89%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
-0.17%Efficiency ratio
109,070Assets per employee
2.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
-2375.00%Loss allowance to loans
0.84%Loss allowance to noncurrent loans
6208.33%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.01%Net loans and leases to deposits
52.06%Net loans and leases to core deposits
69.50%Equity capital to assets
6.39%Core capital (leverage) ratio
6.25%Tier 1 risk-based capital ratio
13.28%Total risk-based capital ratio
Memoranda
$14Average assets
$167,262Average earning assets
$12,553Average equity
$151,876Average loans
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