FDIC Certificate #: 13426 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:NBC Bank, National Association (#3180) Federal Reserve ID: 828455 Date Established: December 30, 1933 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) FDIC's unique #: 8454 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 01, 2000 Last Structure Change Process Date: November 17, 2000 Last Data Update: November 17, 2000 Data Source Date: April 05, 2012
Location
Address: 200 South Pecan Street, Luling, TX 78648 County: Caldwell 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): Austin-San Marcos, TX (#640) Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126) Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420) CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
Financial Summary
Total assets: $34.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
17Total employees (full-time equivalent)
$31,573Total assets
$3,342Cash and due from depository institutions
$1,983Interest-bearing balances
$4,300Securities
$2,519Federal funds sold & reverse repurchase agreements
$18,090Net loans & leases
$516Loan loss allowance
$0Trading account assets
$1,228Bank premises and fixed assets
$0Other real estate owned
$1,816Goodwill and other intangibles
$0Life insurance assets
$278All other assets
$31,573Total liabilities and capital
$25,688Total liabilities
$25,470Total deposits
$20,479Interest-bearing deposits
$25,470Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$218All other liabilities
$5,885Total equity capital
$5,885Total bank equity capital
$5,885Perpetual preferred stock
$0Common stock
$150Surplus
$4,716Undivided profits
Memoranda
$1,019Noncurrent loans and leases
$1,292Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$5Earning assets
$0Long-term assets (5+ years)
$167Average Assets, year-to-date
$26,892Average Assets, quarterly
$3,632Volatile liabilities
$31,557Insider loans
$31,649FHLB advances
$2,992Loans and leases held for sale
$468Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,292Total unused commitments
$0Restructured Loans and leases
$254Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$2,098Total interest income
$690Total interest expense
$1,408Net interest income
$0Provision for loan and lease losses
$474Total noninterest income
$0Fiduciary activities
$317Service charges on deposit accounts
$0Trading account gains & fees
$157Additional noninterest income
$1,344Total noninterest expense
$596Salaries and employee benefits
$223Premises and equipment expense
$525Additional noninterest expense
$538Pre-tax net operating income
$0Securities gains (losses)
$213Applicable income taxes
$325Income before extraordinary items
$0Extraordinary gains - net
$325Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$18Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.92%Yield on earning assets
2.60%Cost of funding earning assets
5.31%Net interest margin
1.79%Noninterest income to earning assets
5.07%Noninterest expense to earning assets
1.03%Net operating income to assets
1.03%Return on assets (ROA)
1.70%Pretax return on assets
5.66%Return on equity (ROE)
5.66%Retained earnings to average equity (YTD only)
-0.10%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
67,003Assets per employee
1.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.77%Loss allowance to noncurrent loans
10320.00%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.03%Net loans and leases to deposits
71.02%Net loans and leases to core deposits
80.48%Equity capital to assets
18.64%Core capital (leverage) ratio
13.61%Tier 1 risk-based capital ratio
20.50%Total risk-based capital ratio
Memoranda
$22Average assets
$31,557Average earning assets
$5,746Average equity
$26,495Average loans
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