FDIC Certificate #: 3143 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:InterBank (#27210) Federal Reserve ID: 889456 Date Established: Febuary 02, 1932 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 #: 2013 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 31, 2010 Last Structure Change Process Date: January 04, 2011 Last Data Update: January 04, 2011 Data Source Date: April 05, 2012
Location
Address: 100 Commercial Avenue, Coleman, TX 76834 County: Coleman 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
Financial Summary
Total assets: $60.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
17Total employees (full-time equivalent)
$60,479Total assets
$3,269Cash and due from depository institutions
$2,986Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$54,481Net loans & leases
$533Loan loss allowance
$0Trading account assets
$890Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,839All other assets
$60,479Total liabilities and capital
$54,422Total liabilities
$54,389Total deposits
$37,823Interest-bearing deposits
$54,389Deposits held in domestic offices
94.09%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$33All other liabilities
$6,057Total equity capital
$6,057Total bank equity capital
$6,057Perpetual preferred stock
$0Common stock
$250Surplus
$3,750Undivided profits
Memoranda
$2,057Noncurrent loans and leases
$13,735Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$494Earning assets
$0Long-term assets (5+ years)
$936Average Assets, year-to-date
$57,467Average Assets, quarterly
$11,006Volatile liabilities
$58,209Insider loans
$58,813FHLB advances
$12,886Loans and leases held for sale
$5,152Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$13,735Total unused commitments
$0Restructured Loans and leases
$533Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$3,316Total interest income
$453Total interest expense
$2,863Net interest income
$333Provision for loan and lease losses
$586Total noninterest income
$0Fiduciary activities
$479Service charges on deposit accounts
$0Trading account gains & fees
$107Additional noninterest income
$1,548Total noninterest expense
$817Salaries and employee benefits
$91Premises and equipment expense
$640Additional noninterest expense
$1,568Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,568Income before extraordinary items
$0Extraordinary gains - net
$1,568Net income attributable to bank
$0Net charge-offs
$1,568Cash dividends
$489Sale, conversion, retirement of capital stock, net
$1,225Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.11%Yield on earning assets
0.83%Cost of funding earning assets
5.28%Net interest margin
1.08%Noninterest income to earning assets
2.85%Noninterest expense to earning assets
2.69%Net operating income to assets
2.69%Return on assets (ROA)
2.69%Pretax return on assets
25.63%Return on equity (ROE)
5.61%Retained earnings to average equity (YTD only)
0.91%Net charge-offs to loans
68.10%Credit loss provision to net charge-offs
3.89%Efficiency ratio
44,883Assets per employee
3.56%Cash dividends to net income (YTD only)
Condition Ratios (%)
78.13%Loss allowance to loans
0.97%Loss allowance to noncurrent loans
107.89%Noncurrent assets plus other real estate owned to assets
0.82%Noncurrent loans to loans
0.90%Net loans and leases to deposits
100.17%Net loans and leases to core deposits
131.27%Equity capital to assets
10.02%Core capital (leverage) ratio
10.18%Tier 1 risk-based capital ratio
10.55%Total risk-based capital ratio
Memoranda
$11Average assets
$58,209Average earning assets
$6,118Average equity
$54,272Average loans
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