FDIC Certificate #: 33865 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:InterBank (#27210) Federal Reserve ID: 1998775 Date Established: January 03, 1994 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 48173 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 03, 1994 Last Structure Change Effective Date: December 31, 2010 Last Structure Change Process Date: January 04, 2011 Last Data Update: January 04, 2011 Data Source Date: April 05, 2012
Location
Address: 455 Elm Street, Graham, TX 76450 County: Young 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: $113.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
25Total employees (full-time equivalent)
$104,607Total assets
$11,369Cash and due from depository institutions
$10,606Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$87,731Net loans & leases
$897Loan loss allowance
$0Trading account assets
$2,206Bank premises and fixed assets
$1,183Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,118All other assets
$104,607Total liabilities and capital
$93,909Total liabilities
$93,826Total deposits
$69,856Interest-bearing deposits
$93,826Deposits held in domestic offices
78.15%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$83All other liabilities
$10,698Total equity capital
$10,698Total bank equity capital
$10,698Perpetual preferred stock
$0Common stock
$500Surplus
$4,500Undivided profits
Memoranda
$5,698Noncurrent loans and leases
$43,898Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,365Earning assets
$0Long-term assets (5+ years)
$851Average Assets, year-to-date
$98,337Average Assets, quarterly
$4,184Volatile liabilities
$104,362Insider loans
$104,403FHLB advances
$10,066Loans and leases held for sale
$2,399Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$43,898Total unused commitments
$0Restructured Loans and leases
$897Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$4,713Total interest income
$752Total interest expense
$3,961Net interest income
$253Provision for loan and lease losses
$1,409Total noninterest income
$0Fiduciary activities
$440Service charges on deposit accounts
$0Trading account gains & fees
$969Additional noninterest income
$3,085Total noninterest expense
$1,146Salaries and employee benefits
$758Premises and equipment expense
$1,181Additional noninterest expense
$2,032Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$2,032Income before extraordinary items
$0Extraordinary gains - net
$2,032Net income attributable to bank
$0Net charge-offs
$2,032Cash dividends
$372Sale, conversion, retirement of capital stock, net
$3,225Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.96%Yield on earning assets
0.79%Cost of funding earning assets
4.17%Net interest margin
1.48%Noninterest income to earning assets
3.25%Noninterest expense to earning assets
1.95%Net operating income to assets
1.95%Return on assets (ROA)
1.95%Pretax return on assets
18.22%Return on equity (ROE)
-10.70%Retained earnings to average equity (YTD only)
0.42%Net charge-offs to loans
68.01%Credit loss provision to net charge-offs
6.14%Efficiency ratio
57,449Assets per employee
4.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
158.71%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
65.71%Noncurrent assets plus other real estate owned to assets
2.44%Noncurrent loans to loans
1.54%Net loans and leases to deposits
93.50%Net loans and leases to core deposits
104.74%Equity capital to assets
10.23%Core capital (leverage) ratio
10.33%Tier 1 risk-based capital ratio
11.38%Total risk-based capital ratio
Memoranda
$12Average assets
$104,362Average earning assets
$11,152Average equity
$95,040Average loans
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