FDIC Certificate #: 28066 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Franklin Bank, S.S.B. (#26870) Federal Reserve ID: 988470 Date Established: January 01, 1925 WWW:http://www.jacksonvillessb.com Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 9 (Interstate: No) OTS Docket #: 832 FDIC's unique #: 40900 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: January 23, 1936 Last Structure Change Effective Date: December 30, 2003 Last Structure Change Process Date: January 14, 2004 Last Data Update: January 14, 2004 Data Source Date: April 05, 2012
Location
Address: Commerce And Neches Streets, Jacksonville, TX 75766 County: Cherokee 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 Combined Statistical Area (CSA): Tyler-Jacksonville, TX (#540) Core Based Statistical Area (CBSA): Jacksonville, TX (#27380) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $472.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
114Total employees (full-time equivalent)
$430,457Total assets
$13,272Cash and due from depository institutions
$5,302Interest-bearing balances
$132,469Securities
$0Federal funds sold & reverse repurchase agreements
$266,511Net loans & leases
$1,319Loan loss allowance
$0Trading account assets
$5,508Bank premises and fixed assets
$1,454Other real estate owned
$4,132Goodwill and other intangibles
$0Life insurance assets
$7,111All other assets
$430,457Total liabilities and capital
$391,980Total liabilities
$363,348Total deposits
$343,863Interest-bearing deposits
$363,348Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$25,644Other borrowed funds
$0Subordinated debt
$2,988All other liabilities
$38,477Total equity capital
$38,477Total bank equity capital
$38,477Perpetual preferred stock
$0Common stock
$19Surplus
$16,030Undivided profits
Memoranda
$22,428Noncurrent loans and leases
$23,888Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$966Earning assets
$0Long-term assets (5+ years)
$2,788Average Assets, year-to-date
$404,282Average Assets, quarterly
$214,599Volatile liabilities
$410,644Insider loans
$427,789FHLB advances
$65,613Loans and leases held for sale
$666Unused loan commitments
$24,745Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$23,888Total unused commitments
$307Restructured Loans and leases
$1,325Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$28,001Total interest income
$13,320Total interest expense
$14,681Net interest income
$109Provision for loan and lease losses
$2,567Total noninterest income
$0Fiduciary activities
$1,222Service charges on deposit accounts
$0Trading account gains & fees
$1,345Additional noninterest income
$7,497Total noninterest expense
$4,486Salaries and employee benefits
$855Premises and equipment expense
$2,156Additional noninterest expense
$9,642Pre-tax net operating income
-$8Securities gains (losses)
$3,290Applicable income taxes
$6,344Income before extraordinary items
$0Extraordinary gains - net
$6,344Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$60Sale, conversion, retirement of capital stock, net
$3,000Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.26%Yield on earning assets
3.46%Cost of funding earning assets
3.81%Net interest margin
0.67%Noninterest income to earning assets
1.94%Noninterest expense to earning assets
1.55%Net operating income to assets
1.54%Return on assets (ROA)
2.35%Pretax return on assets
17.52%Return on equity (ROE)
9.24%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
181.67%Credit loss provision to net charge-offs
162.52%Efficiency ratio
42,301Assets per employee
3.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.29%Loss allowance to loans
0.49%Loss allowance to noncurrent loans
136.54%Noncurrent assets plus other real estate owned to assets
0.29%Noncurrent loans to loans
0.36%Net loans and leases to deposits
73.35%Net loans and leases to core deposits
89.51%Equity capital to assets
8.94%Core capital (leverage) ratio
7.81%Tier 1 risk-based capital ratio
14.19%Total risk-based capital ratio
Memoranda
$15Average assets
$410,644Average earning assets
$36,205Average equity
$385,524Average loans
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