FDIC Certificate #: 3137 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:American State Bank (#16701) Federal Reserve ID: 754358 Date Established: January 01, 1917 WWW:http://www.fnbcisco@txol.net 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 #: 2008 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: October 28, 2005 Last Structure Change Process Date: November 15, 2005 Last Data Update: November 15, 2005 Data Source Date: April 05, 2012
Location
Address: 418 Avenue D, Cisco, TX 76437 County: Eastland 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: $40.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
18Total employees (full-time equivalent)
$41,071Total assets
$3,089Cash and due from depository institutions
$0Interest-bearing balances
$20,204Securities
$2,700Federal funds sold & reverse repurchase agreements
$14,071Net loans & leases
$509Loan loss allowance
$0Trading account assets
$555Bank premises and fixed assets
$88Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$364All other assets
$41,071Total liabilities and capital
$34,883Total liabilities
$34,870Total deposits
$26,160Interest-bearing deposits
$34,870Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$13All other liabilities
$6,188Total equity capital
$6,188Total bank equity capital
$6,188Perpetual preferred stock
$0Common stock
$500Surplus
$500Undivided profits
Memoranda
$5,188Noncurrent loans and leases
$581Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$27Earning assets
$14Long-term assets (5+ years)
$266Average Assets, year-to-date
$36,975Average Assets, quarterly
$552Volatile liabilities
$42,145Insider loans
$41,986FHLB advances
$6,628Loans and leases held for sale
$991Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$581Total unused commitments
$0Restructured Loans and leases
$292Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$1,888Total interest income
$203Total interest expense
$1,685Net interest income
-$20Provision for loan and lease losses
$308Total noninterest income
$0Fiduciary activities
$268Service charges on deposit accounts
$0Trading account gains & fees
$40Additional noninterest income
$1,441Total noninterest expense
$932Salaries and employee benefits
$197Premises and equipment expense
$312Additional noninterest expense
$572Pre-tax net operating income
$0Securities gains (losses)
$16Applicable income taxes
$556Income before extraordinary items
$0Extraordinary gains - net
$556Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$20Sale, conversion, retirement of capital stock, net
$731Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.98%Yield on earning assets
0.54%Cost of funding earning assets
4.45%Net interest margin
0.81%Noninterest income to earning assets
3.80%Noninterest expense to earning assets
1.32%Net operating income to assets
1.32%Return on assets (ROA)
1.36%Pretax return on assets
8.43%Return on equity (ROE)
-2.65%Retained earnings to average equity (YTD only)
-0.14%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
72,303Assets per employee
2.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
131.47%Loss allowance to loans
3.49%Loss allowance to noncurrent loans
1885.19%Noncurrent assets plus other real estate owned to assets
0.28%Noncurrent loans to loans
0.19%Net loans and leases to deposits
40.35%Net loans and leases to core deposits
49.82%Equity capital to assets
15.07%Core capital (leverage) ratio
14.98%Tier 1 risk-based capital ratio
27.63%Total risk-based capital ratio
Memoranda
$29Average assets
$42,145Average earning assets
$6,596Average equity
$37,886Average loans
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