FDIC Certificate #: 3368 Status: Active Federal Reserve ID: 958763 Date Established: January 01, 1912 WWW:http://www.normangeestatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 2186 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 116 Main Street, Normangee, TX 77871 County: Leon Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Change in Location
Financial Summary
Total assets: $84.8 mil Equity capital: $11.5 mil Deposits held in domestic offices: $72.5 mil Return on assets (ROA): 1.67% ($1.4 mil) Quarterly return on assets: 0.05% ($0.0 mil) Return on Equity (ROE): 12.97% ($1.4 mil) Quarterly return on equity: 0.34% ($0.0 mil) Net income: $1.5 mil Quarterly Net income: $0.0 mil Pretax return on assets: 2.15% ($1,824.2 mil) Quarterly Pretax return on assets: -0.34% (-$288.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
13Total employees (full-time equivalent)
$84,847Total assets
$2,754Cash and due from depository institutions
$975Interest-bearing balances
$41,665Securities
$390Federal funds sold & reverse repurchase agreements
$38,852Net loans & leases
$681Loan loss allowance
$0Trading account assets
$349Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$84,847Life insurance assets
$837All other assets
$73,359Total liabilities and capital
$72,527Total liabilities
$56,490Total deposits
$72,527Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$832Subordinated debt
$11,488All other liabilities
$11,488Total equity capital
$11,488Total bank equity capital
$0Perpetual preferred stock
$800Common stock
$1,000Surplus
$9,688Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$518Income earned, not collected on loans
$0Earning assets
$667Long-term assets (5+ years)
$81,882Average Assets, year-to-date
$47,451Average Assets, quarterly
$87,457Volatile liabilities
$87,726Insider loans
$41,756FHLB advances
$86,625Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,669Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$465Restructured Loans and leases
$692Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,287Total interest income
$543Total interest expense
$3,744Net interest income
$300Provision for loan and lease losses
$500Total noninterest income
$0Fiduciary activities
$478Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$2,168Total noninterest expense
$984Salaries and employee benefits
$130Premises and equipment expense
$1,054Additional noninterest expense
$1,776Pre-tax net operating income
$108Securities gains (losses)
$425Applicable income taxes
$1,459Income before extraordinary items
$0Extraordinary gains - net
$1,459Net income attributable to bank
$0Net charge-offs
$1,459Cash dividends
$59Sale, conversion, retirement of capital stock, net
$368Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.06%Yield on earning assets
0.64%Cost of funding earning assets
4.41%Net interest margin
0.59%Noninterest income to earning assets
2.56%Noninterest expense to earning assets
1.57%Net operating income to assets
1.67%Return on assets (ROA)
2.15%Pretax return on assets
12.97%Return on equity (ROE)
9.70%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
508.47%Credit loss provision to net charge-offs
35.19%Efficiency ratio
51,084Assets per employee
6.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
25.22%Loss allowance to loans
1.72%Loss allowance to noncurrent loans
131.47%Noncurrent assets plus other real estate owned to assets
0.61%Noncurrent loans to loans
1.31%Net loans and leases to deposits
53.57%Net loans and leases to core deposits
55.57%Equity capital to assets
13.54%Core capital (leverage) ratio
12.32%Tier 1 risk-based capital ratio
25.55%Total risk-based capital ratio
Memoranda
$27Average assets
$87,457Average earning assets
$11,248Average equity
$84,803Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2186
Normangee State Bank
116 Main Street, Normangee, TX 77871
January 01, 1912
Full Service Brick and Mortar
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