FDIC Certificate #: 11167 Status: Inactive Closing history: Consolidated - Without Assistance Acquiring institution:Wells Fargo Bank Texas, National Association (#14533) Federal Reserve ID: 925569 Date Established: January 01, 1920 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Interstate: No) FDIC's unique #: 7127 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: September 18, 1999 Last Structure Change Process Date: October 13, 1999 Last Data Update: October 13, 1999 Data Source Date: April 05, 2012
Location
Address: Main Street, Rio Vista, TX 76093 County: Johnson Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: San Francisco FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Fort Worth-Arlington, TX (#2800) Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31) Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Fort Worth-Arlington, TX (#23104)
Financial Summary
Total assets: $255.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
201Total employees (full-time equivalent)
$236,725Total assets
$13,463Cash and due from depository institutions
$100Interest-bearing balances
$65,012Securities
$33,000Federal funds sold & reverse repurchase agreements
$114,708Net loans & leases
$2,714Loan loss allowance
$0Trading account assets
$5,045Bank premises and fixed assets
$18Other real estate owned
$63Goodwill and other intangibles
$0Life insurance assets
$5,416All other assets
$236,725Total liabilities and capital
$212,208Total liabilities
$210,720Total deposits
$151,320Interest-bearing deposits
$210,720Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$296Other borrowed funds
$0Subordinated debt
$1,192All other liabilities
$24,517Total equity capital
$24,517Total bank equity capital
$24,517Perpetual preferred stock
$0Common stock
$1,200Surplus
$5,336Undivided profits
Memoranda
$17,981Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$220Earning assets
$0Long-term assets (5+ years)
$580Average Assets, year-to-date
$212,820Average Assets, quarterly
$10,734Volatile liabilities
$227,326Insider loans
$232,115FHLB advances
$12,816Loans and leases held for sale
$264Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,308Total unused commitments
$0Restructured Loans and leases
$138,935Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$18,103Total interest income
$5,688Total interest expense
$12,415Net interest income
$1,164Provision for loan and lease losses
$3,897Total noninterest income
$319Fiduciary activities
$2,550Service charges on deposit accounts
$0Trading account gains & fees
$1,028Additional noninterest income
$11,825Total noninterest expense
$6,776Salaries and employee benefits
$1,637Premises and equipment expense
$3,412Additional noninterest expense
$3,323Pre-tax net operating income
$0Securities gains (losses)
$1,047Applicable income taxes
$2,276Income before extraordinary items
$0Extraordinary gains - net
$2,276Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,390Sale, conversion, retirement of capital stock, net
$611Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.82%Yield on earning assets
2.77%Cost of funding earning assets
6.05%Net interest margin
1.90%Noninterest income to earning assets
5.76%Noninterest expense to earning assets
1.00%Net operating income to assets
1.00%Return on assets (ROA)
1.46%Pretax return on assets
9.63%Return on equity (ROE)
7.04%Retained earnings to average equity (YTD only)
1.20%Net charge-offs to loans
83.74%Credit loss provision to net charge-offs
3.23%Efficiency ratio
72,370Assets per employee
1.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
26.85%Loss allowance to loans
2.31%Loss allowance to noncurrent loans
1233.64%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.19%Net loans and leases to deposits
54.44%Net loans and leases to core deposits
57.87%Equity capital to assets
10.36%Core capital (leverage) ratio
10.51%Tier 1 risk-based capital ratio
17.51%Total risk-based capital ratio
Memoranda
$19Average assets
$227,326Average earning assets
$23,638Average equity
$205,145Average loans
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