FDIC Certificate #: 22393 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Stillwater National Bank and Trust Company (#4201) Federal Reserve ID: 541464 Date Established: January 05, 1977 WWW:http://www.mcmullenbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 15594 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 05, 1977 Last Structure Change Effective Date: July 28, 2006 Last Structure Change Process Date: October 04, 2006 Last Data Update: October 04, 2006 Data Source Date: April 05, 2012
Location
Address: Main And Elm Streets, Tilden, TX 78072 County: Mcmullen 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
Financial Summary
Total assets: $46.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
16Total employees (full-time equivalent)
$36,130Total assets
$1,012Cash and due from depository institutions
$0Interest-bearing balances
$15,204Securities
$3,225Federal funds sold & reverse repurchase agreements
$14,766Net loans & leases
$114Loan loss allowance
$0Trading account assets
$1,446Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$477All other assets
$36,130Total liabilities and capital
$33,478Total liabilities
$33,403Total deposits
$23,018Interest-bearing deposits
$33,403Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$75All other liabilities
$2,652Total equity capital
$2,652Total bank equity capital
$2,652Perpetual preferred stock
$0Common stock
$806Surplus
$4,096Undivided profits
Memoranda
$-2,250Noncurrent loans and leases
$884Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$148Average Assets, year-to-date
$33,195Average Assets, quarterly
$6,016Volatile liabilities
$35,321Insider loans
$35,806FHLB advances
$2,989Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$884Total unused commitments
$0Restructured Loans and leases
$114Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$1,505Total interest income
$414Total interest expense
$1,091Net interest income
-$45Provision for loan and lease losses
$225Total noninterest income
$0Fiduciary activities
$166Service charges on deposit accounts
$0Trading account gains & fees
$59Additional noninterest income
$1,646Total noninterest expense
$773Salaries and employee benefits
$301Premises and equipment expense
$572Additional noninterest expense
-$285Pre-tax net operating income
-$64Securities gains (losses)
$0Applicable income taxes
-$349Income before extraordinary items
$0Extraordinary gains - net
-$349Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$26Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.64%Yield on earning assets
1.28%Cost of funding earning assets
3.36%Net interest margin
0.69%Noninterest income to earning assets
5.07%Noninterest expense to earning assets
-0.81%Net operating income to assets
-0.99%Return on assets (ROA)
-0.99%Pretax return on assets
-12.09%Return on equity (ROE)
-12.09%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
-173.08%Credit loss provision to net charge-offs
-12.69%Efficiency ratio
125,076Assets per employee
2.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.77%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
44.21%Net loans and leases to core deposits
48.55%Equity capital to assets
7.34%Core capital (leverage) ratio
7.90%Tier 1 risk-based capital ratio
14.91%Total risk-based capital ratio
Memoranda
$16Average assets
$35,321Average earning assets
$2,887Average equity
$32,445Average loans
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