FDIC Certificate #: 3220 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Financial Bank, National Association (#34320) Federal Reserve ID: 399151 Date Established: January 01, 1928 WWW:http://www.fnbglenrose.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) FDIC's unique #: 2076 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: January 01, 1934 Last Structure Change Effective Date: December 01, 2004 Last Structure Change Process Date: January 13, 2005 Last Data Update: January 13, 2005 Data Source Date: April 05, 2012
Location
Address: 400 Big Bend Trail, Glen Rose, TX 76043 County: Somervell 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 Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Granbury, TX (#24180) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $46.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
18Total employees (full-time equivalent)
$44,379Total assets
$1,507Cash and due from depository institutions
$0Interest-bearing balances
$4,788Securities
$11,895Federal funds sold & reverse repurchase agreements
$25,616Net loans & leases
$353Loan loss allowance
$0Trading account assets
$284Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$289All other assets
$44,379Total liabilities and capital
$39,729Total liabilities
$39,674Total deposits
$29,569Interest-bearing deposits
$39,674Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$55All other liabilities
$4,650Total equity capital
$4,650Total bank equity capital
$4,650Perpetual preferred stock
$0Common stock
$200Surplus
$1,126Undivided profits
Memoranda
$3,324Noncurrent loans and leases
$1,752Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$32Earning assets
$0Long-term assets (5+ years)
$175Average Assets, year-to-date
$42,299Average Assets, quarterly
$644Volatile liabilities
$43,091Insider loans
$43,614FHLB advances
$2,840Loans and leases held for sale
$1,044Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,752Total unused commitments
$0Restructured Loans and leases
$332Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$2,338Total interest income
$269Total interest expense
$2,069Net interest income
$65Provision for loan and lease losses
$497Total noninterest income
$0Fiduciary activities
$341Service charges on deposit accounts
$0Trading account gains & fees
$156Additional noninterest income
$1,404Total noninterest expense
$696Salaries and employee benefits
$157Premises and equipment expense
$551Additional noninterest expense
$1,097Pre-tax net operating income
$0Securities gains (losses)
$15Applicable income taxes
$1,082Income before extraordinary items
$0Extraordinary gains - net
$1,082Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$93Sale, conversion, retirement of capital stock, net
$739Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.76%Yield on earning assets
0.66%Cost of funding earning assets
5.10%Net interest margin
1.22%Noninterest income to earning assets
3.46%Noninterest expense to earning assets
2.51%Net operating income to assets
2.51%Return on assets (ROA)
2.55%Pretax return on assets
23.95%Return on equity (ROE)
7.59%Retained earnings to average equity (YTD only)
0.38%Net charge-offs to loans
69.89%Credit loss provision to net charge-offs
12.49%Efficiency ratio
54,716Assets per employee
2.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
68.30%Loss allowance to loans
1.36%Loss allowance to noncurrent loans
1103.13%Noncurrent assets plus other real estate owned to assets
0.07%Noncurrent loans to loans
0.12%Net loans and leases to deposits
64.57%Net loans and leases to core deposits
69.54%Equity capital to assets
10.48%Core capital (leverage) ratio
10.42%Tier 1 risk-based capital ratio
17.41%Total risk-based capital ratio
Memoranda
$19Average assets
$43,091Average earning assets
$4,518Average equity
$40,585Average loans
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