FDIC Certificate #: 21962 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Big Bend Banks, N.A. (#3320) Federal Reserve ID: 734565 Date Established: April 02, 1975 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 15226 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: April 02, 1975 Last Structure Change Effective Date: January 12, 2008 Last Structure Change Process Date: Febuary 22, 2008 Last Data Update: Febuary 22, 2008 Data Source Date: April 05, 2012
Location
Address: U.S. Highway 67 And Cassell Street, Presidio, TX 79845 County: Presidio Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Albuquerque Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
Financial Summary
Total assets: $25.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)
Dollar figures in thousands
13Total employees (full-time equivalent)
$25,314Total assets
$2,470Cash and due from depository institutions
$267Interest-bearing balances
$12,809Securities
$1,701Federal funds sold & reverse repurchase agreements
$7,855Net loans & leases
$93Loan loss allowance
$0Trading account assets
$222Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$257All other assets
$25,314Total liabilities and capital
$22,453Total liabilities
$22,345Total deposits
$16,080Interest-bearing deposits
$22,345Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$108All other liabilities
$2,861Total equity capital
$2,861Total bank equity capital
$2,861Perpetual preferred stock
$0Common stock
$100Surplus
$900Undivided profits
Memoranda
$1,861Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$40Earning assets
$0Long-term assets (5+ years)
$232Average Assets, year-to-date
$22,632Average Assets, quarterly
$7,709Volatile liabilities
$24,300Insider loans
$24,658FHLB advances
$4,889Loans and leases held for sale
$105Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$93Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$1,311Total interest income
$295Total interest expense
$1,016Net interest income
$24Provision for loan and lease losses
$180Total noninterest income
$0Fiduciary activities
$118Service charges on deposit accounts
$0Trading account gains & fees
$62Additional noninterest income
$785Total noninterest expense
$429Salaries and employee benefits
$103Premises and equipment expense
$253Additional noninterest expense
$387Pre-tax net operating income
-$28Securities gains (losses)
$0Applicable income taxes
$359Income before extraordinary items
$0Extraordinary gains - net
$359Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$67Sale, conversion, retirement of capital stock, net
$125Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.95%Yield on earning assets
1.34%Cost of funding earning assets
4.61%Net interest margin
0.82%Noninterest income to earning assets
3.56%Noninterest expense to earning assets
1.59%Net operating income to assets
1.48%Return on assets (ROA)
1.48%Pretax return on assets
14.11%Return on equity (ROE)
9.20%Retained earnings to average equity (YTD only)
0.86%Net charge-offs to loans
35.82%Credit loss provision to net charge-offs
6.13%Efficiency ratio
65,635Assets per employee
1.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.82%Loss allowance to loans
1.17%Loss allowance to noncurrent loans
232.50%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.50%Net loans and leases to deposits
35.15%Net loans and leases to core deposits
45.00%Equity capital to assets
11.30%Core capital (leverage) ratio
11.01%Tier 1 risk-based capital ratio
24.20%Total risk-based capital ratio
Memoranda
$25Average assets
$24,300Average earning assets
$2,544Average equity
$22,043Average loans
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