First Texas Bank in Killeen, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 07, 1995

First Texas Bank in Killeen, Texas (TX)
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First Texas Bank - Overview

General
FDIC Certificate #: 18606
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Texas Bank (#22551)
Federal Reserve ID: 988359
Date Established: August 20, 1962
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 12491
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: September 26, 1962
Last Structure Change Effective Date: July 07, 1995
Last Structure Change Process Date: July 19, 1995
Last Data Update: July 19, 1995
Data Source Date: April 05, 2012
Location
Address: Church And Gray Streets, Killeen, TX 76541
County: Bell
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Austin
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Killeen-Temple, TX (#3810)
Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
Financial Summary
Total assets: $74.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$59Total assets
$76,614Cash and due from depository institutions
$6,748Interest-bearing balances
$100Securities
$29,896Federal funds sold & reverse repurchase agreements
$13,800Net loans & leases
$23,813Loan loss allowance
$239Trading account assets
$0Bank premises and fixed assets
$1,517Other real estate owned
$79Goodwill and other intangibles
$761Life insurance assets
$0All other assets
$0Total liabilities and capital
$76,614Total liabilities
$70,599Total deposits
$70,102Interest-bearing deposits
$51,160Deposits held in domestic offices
70102.00%% insured (estimated)
$81Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$228Subordinated debt
$0All other liabilities
$269Total equity capital
$269Total bank equity capital
$6,015Perpetual preferred stock
$0Common stock
$971Surplus
$4,100Undivided profits
Memoranda
$944Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$324Income earned, not collected on loans
$146Earning assets
$67,609Long-term assets (5+ years)
$423Average Assets, year-to-date
$73,303Average Assets, quarterly
$74,689Volatile liabilities
$4,450Insider loans
$1,084FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,791Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,079Total risk weighted assets
$33,304Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$4,538Total interest expense
$1,454Net interest income
$3,084Provision for loan and lease losses
$278Total noninterest income
$1,752Fiduciary activities
$0Service charges on deposit accounts
$1,508Trading account gains & fees
$0Additional noninterest income
$244Total noninterest expense
$3,282Salaries and employee benefits
$1,596Premises and equipment expense
$292Additional noninterest expense
$1,394Pre-tax net operating income
$1,276Securities gains (losses)
$0Applicable income taxes
$373Income before extraordinary items
$903Extraordinary gains - net
$0Net income attributable to bank
$903Net charge-offs
$196Cash dividends
$500Sale, conversion, retirement of capital stock, net
-$181Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.20%Cost of funding earning assets
2.31%Net interest margin
4.90%Noninterest income to earning assets
2.78%Noninterest expense to earning assets
5.21%Net operating income to assets
1.23%Return on assets (ROA)
1.23%Pretax return on assets
1.74%Return on equity (ROE)
15.06%Retained earnings to average equity (YTD only)
6.72%Net charge-offs to loans
0.80%Credit loss provision to net charge-offs
141.84%Efficiency ratio
67,866Assets per employee
1.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.37%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
73.77%Noncurrent assets plus other real estate owned to assets
0.53%Noncurrent loans to loans
1.35%Net loans and leases to deposits
33.97%Net loans and leases to core deposits
36.15%Equity capital to assets
7.85%Core capital (leverage) ratio
7.89%Tier 1 risk-based capital ratio
18.25%Total risk-based capital ratio
Memoranda
$19Average assets
$73,303Average earning assets
$5,995Average equity
$62,986Average loans

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