FDIC Certificate #: 3242 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First State Bank Central Texas (#11151) Federal Reserve ID: 531353 Date Established: January 01, 1920 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) OTS Docket #: 14354 FDIC's unique #: 2092 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 13, 2005 Last Structure Change Process Date: October 21, 2005 Last Data Update: October 21, 2005 Data Source Date: April 05, 2012
Location
Address: 200 South Bell Avenue, Hamilton, TX 76531 County: Hamilton 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: $35.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
18Total employees (full-time equivalent)
$34,463Total assets
$11,944Cash and due from depository institutions
$10,659Interest-bearing balances
$3,564Securities
$1,465Federal funds sold & reverse repurchase agreements
$16,278Net loans & leases
$173Loan loss allowance
$0Trading account assets
$720Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$492All other assets
$34,463Total liabilities and capital
$31,758Total liabilities
$31,372Total deposits
$22,970Interest-bearing deposits
$31,372Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$386All other liabilities
$2,705Total equity capital
$2,705Total bank equity capital
$2,705Perpetual preferred stock
$0Common stock
$500Surplus
$1,141Undivided profits
Memoranda
$1,064Noncurrent loans and leases
$336Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$228Earning assets
$0Long-term assets (5+ years)
$173Average Assets, year-to-date
$31,966Average Assets, quarterly
$5,287Volatile liabilities
$34,174Insider loans
$34,743FHLB advances
$2,680Loans and leases held for sale
$579Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$336Total unused commitments
$0Restructured Loans and leases
$173Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$1,487Total interest income
$221Total interest expense
$1,266Net interest income
$30Provision for loan and lease losses
$418Total noninterest income
$0Fiduciary activities
$270Service charges on deposit accounts
$0Trading account gains & fees
$148Additional noninterest income
$1,266Total noninterest expense
$692Salaries and employee benefits
$202Premises and equipment expense
$372Additional noninterest expense
$388Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$388Income before extraordinary items
$0Extraordinary gains - net
$388Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$78Sale, conversion, retirement of capital stock, net
$349Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.69%Yield on earning assets
0.70%Cost of funding earning assets
3.99%Net interest margin
1.32%Noninterest income to earning assets
3.99%Noninterest expense to earning assets
1.14%Net operating income to assets
1.14%Return on assets (ROA)
1.14%Pretax return on assets
13.78%Return on equity (ROE)
1.38%Retained earnings to average equity (YTD only)
0.47%Net charge-offs to loans
38.46%Credit loss provision to net charge-offs
5.36%Efficiency ratio
75,178Assets per employee
1.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
89.95%Loss allowance to loans
1.05%Loss allowance to noncurrent loans
75.88%Noncurrent assets plus other real estate owned to assets
0.66%Noncurrent loans to loans
1.39%Net loans and leases to deposits
51.89%Net loans and leases to core deposits
56.73%Equity capital to assets
7.85%Core capital (leverage) ratio
7.80%Tier 1 risk-based capital ratio
14.79%Total risk-based capital ratio
Memoranda
$16Average assets
$34,174Average earning assets
$2,816Average equity
$31,733Average loans
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