FDIC Certificate #: 11567 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:NBC Bank, National Association (#3180) Federal Reserve ID: 987763 Date Established: January 01, 1907 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Interstate: No) FDIC's unique #: 7389 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: January 01, 1934 Last Structure Change Effective Date: March 30, 2001 Last Structure Change Process Date: May 09, 2001 Last Data Update: May 09, 2001 Data Source Date: April 05, 2012
Location
Address: 140 East Cameron Street, Rockdale, TX 76567 County: Milam 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: $117.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
39Total employees (full-time equivalent)
$117,469Total assets
$3,657Cash and due from depository institutions
$0Interest-bearing balances
$67,086Securities
$4,850Federal funds sold & reverse repurchase agreements
$33,940Net loans & leases
$479Loan loss allowance
$0Trading account assets
$2,478Bank premises and fixed assets
$154Other real estate owned
$3,813Goodwill and other intangibles
$0Life insurance assets
$1,491All other assets
$117,469Total liabilities and capital
$104,661Total liabilities
$103,220Total deposits
$84,729Interest-bearing deposits
$103,220Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,441All other liabilities
$12,808Total equity capital
$12,808Total bank equity capital
$12,808Perpetual preferred stock
$0Common stock
$605Surplus
$8,400Undivided profits
Memoranda
$3,803Noncurrent loans and leases
$2,648Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$20Earning assets
$0Long-term assets (5+ years)
$232Average Assets, year-to-date
$105,876Average Assets, quarterly
$10,731Volatile liabilities
$113,647Insider loans
$115,924FHLB advances
$8,150Loans and leases held for sale
$156Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,648Total unused commitments
$0Restructured Loans and leases
$450Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$7,543Total interest income
$3,381Total interest expense
$4,162Net interest income
-$50Provision for loan and lease losses
$1,181Total noninterest income
$0Fiduciary activities
$769Service charges on deposit accounts
$0Trading account gains & fees
$412Additional noninterest income
$2,991Total noninterest expense
$1,405Salaries and employee benefits
$543Premises and equipment expense
$1,043Additional noninterest expense
$2,402Pre-tax net operating income
$2Securities gains (losses)
$827Applicable income taxes
$1,577Income before extraordinary items
$0Extraordinary gains - net
$1,577Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$99Sale, conversion, retirement of capital stock, net
$1,000Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.42%Yield on earning assets
3.33%Cost of funding earning assets
4.09%Net interest margin
1.16%Noninterest income to earning assets
2.94%Noninterest expense to earning assets
1.39%Net operating income to assets
1.39%Return on assets (ROA)
2.12%Pretax return on assets
13.78%Return on equity (ROE)
5.04%Retained earnings to average equity (YTD only)
-0.29%Net charge-offs to loans
50.51%Credit loss provision to net charge-offs
0.00%Efficiency ratio
52,667Assets per employee
3.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.41%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
2395.00%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.06%Net loans and leases to deposits
32.88%Net loans and leases to core deposits
35.70%Equity capital to assets
10.90%Core capital (leverage) ratio
7.01%Tier 1 risk-based capital ratio
21.85%Total risk-based capital ratio
Memoranda
$23Average assets
$113,647Average earning assets
$11,446Average equity
$101,664Average loans
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