FDIC Certificate #: 11559 Status: Active Federal Reserve ID: 1012251 Bank Holding Company (Regulatory Top Holder): Murphy-Payne Investments, Ltd. (RSSDID: 2904960, Location: Tyler, TX) Date Established: Febuary 27, 1902 WWW:http://www.fsbcarthage.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7387 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 110 West Panola Street, Carthage, TX 75633 County: Panola 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $454.0 mil Equity capital: $65.1 mil Deposits held in domestic offices: $383.7 mil Return on assets (ROA): 1.50% ($6.8 mil) Quarterly return on assets: 1.22% ($5.5 mil) Return on Equity (ROE): 10.71% ($7.0 mil) Quarterly return on equity: 8.28% ($5.4 mil) Net income: $6.6 mil Quarterly Net income: $1.3 mil Pretax return on assets: 2.04% ($9,261.5 mil) Quarterly Pretax return on assets: 1.61% ($7,309.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
67Total employees (full-time equivalent)
$453,996Total assets
$12,884Cash and due from depository institutions
$7,856Interest-bearing balances
$273,431Securities
$2,020Federal funds sold & reverse repurchase agreements
$150,092Net loans & leases
$819Loan loss allowance
$0Trading account assets
$3,535Bank premises and fixed assets
$170Other real estate owned
$0Goodwill and other intangibles
$453,997Life insurance assets
$11,864All other assets
$388,856Total liabilities and capital
$383,717Total liabilities
$327,293Total deposits
$383,717Interest-bearing deposits
$62Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$5,139Subordinated debt
$65,141All other liabilities
$65,141Total equity capital
$65,141Total bank equity capital
$0Perpetual preferred stock
$2,400Common stock
$11,600Surplus
$51,141Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$358Income earned, not collected on loans
$0Earning assets
$2,064Long-term assets (5+ years)
$433,399Average Assets, year-to-date
$176,019Average Assets, quarterly
$442,399Volatile liabilities
$442,457Insider loans
$182,020FHLB advances
$449,452Loans and leases held for sale
$7,119Unused loan commitments
$7,119Tier 1 (core) risk-based capital
$58,804Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,652Restructured Loans and leases
$993Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$17,457Total interest income
$2,651Total interest expense
$14,806Net interest income
$85Provision for loan and lease losses
$2,337Total noninterest income
$59Fiduciary activities
$1,273Service charges on deposit accounts
$0Trading account gains & fees
$1,005Additional noninterest income
$8,054Total noninterest expense
$5,268Salaries and employee benefits
$622Premises and equipment expense
$2,164Additional noninterest expense
$9,004Pre-tax net operating income
-$1Securities gains (losses)
$2,376Applicable income taxes
$6,627Income before extraordinary items
$0Extraordinary gains - net
$6,627Net income attributable to bank
$0Net charge-offs
$6,627Cash dividends
$69Sale, conversion, retirement of capital stock, net
$2,251Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.14%Yield on earning assets
0.63%Cost of funding earning assets
3.51%Net interest margin
0.55%Noninterest income to earning assets
1.91%Noninterest expense to earning assets
1.50%Net operating income to assets
1.50%Return on assets (ROA)
2.04%Pretax return on assets
10.71%Return on equity (ROE)
7.08%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
123.19%Credit loss provision to net charge-offs
131.72%Efficiency ratio
46,981Assets per employee
6.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
33.97%Loss allowance to loans
0.54%Loss allowance to noncurrent loans
228.77%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.24%Net loans and leases to deposits
39.12%Net loans and leases to core deposits
51.62%Equity capital to assets
14.35%Core capital (leverage) ratio
13.08%Tier 1 risk-based capital ratio
32.31%Total risk-based capital ratio
Memoranda
$33Average assets
$442,399Average earning assets
$61,851Average equity
$421,806Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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