FDIC Certificate #: 34635 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:InterBank (#27210) Federal Reserve ID: 2606460 Date Established: December 04, 1997 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 #: 60858 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: December 04, 1997 Last Structure Change Effective Date: June 14, 2011 Last Structure Change Process Date: June 17, 2011 Last Data Update: June 17, 2011 Data Source Date: April 05, 2012
Location
Address: 400 N Main, Panhandle, TX 79068 County: Carson Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Lubbock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Amarillo, TX (#11100) CBSA Metro Statistical Area: Amarillo, TX (#11100)
Financial Summary
Total assets: $9.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
3Total employees (full-time equivalent)
$7,909Total assets
$75Cash and due from depository institutions
$0Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$4,016Net loans & leases
$0Loan loss allowance
$0Trading account assets
$367Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,451All other assets
$7,909Total liabilities and capital
$6,007Total liabilities
$6,003Total deposits
$4,623Interest-bearing deposits
$6,003Deposits held in domestic offices
98.95%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$4All other liabilities
$1,902Total equity capital
$1,902Total bank equity capital
$1,902Perpetual preferred stock
$0Common stock
$1,000Surplus
$278Undivided profits
Memoranda
$624Noncurrent loans and leases
$217Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$31Average Assets, year-to-date
$4,016Average Assets, quarterly
$279Volatile liabilities
$32,854Insider loans
$23,513FHLB advances
$981Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$217Total unused commitments
$0Restructured Loans and leases
$463Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$289Total interest income
$39Total interest expense
$250Net interest income
$0Provision for loan and lease losses
$39Total noninterest income
$0Fiduciary activities
$39Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$2Total noninterest expense
$0Salaries and employee benefits
$0Premises and equipment expense
$2Additional noninterest expense
$287Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$287Income before extraordinary items
$0Extraordinary gains - net
$287Net income attributable to bank
$0Net charge-offs
$287Cash dividends
$0Sale, conversion, retirement of capital stock, net
$150Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.05%Yield on earning assets
0.14%Cost of funding earning assets
0.91%Net interest margin
0.14%Noninterest income to earning assets
0.01%Noninterest expense to earning assets
0.87%Net operating income to assets
0.87%Return on assets (ROA)
0.87%Pretax return on assets
7.82%Return on equity (ROE)
3.73%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
692Assets per employee
2.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.26%Loss allowance to loans
0.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
66.90%Net loans and leases to core deposits
79.97%Equity capital to assets
24.05%Core capital (leverage) ratio
518.26%Tier 1 risk-based capital ratio
24.63%Total risk-based capital ratio
Memoranda
$31Average assets
$32,854Average earning assets
$3,669Average equity
$27,436Average loans
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