FDIC Certificate #: 10355 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Victoria National Bank (#5570) Federal Reserve ID: 174451 Date Established: January 01, 1907 WWW:http://www.pmsb.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 6632 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes Oakar Institutions: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: August 31, 2005 Last Structure Change Process Date: September 23, 2005 Last Data Update: September 23, 2005 Data Source Date: April 05, 2012
Location
Address: 122 Fourth Street, Hearne, TX 77859 County: Robertson 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 Core Based Statistical Area (CBSA): College Station-Bryan, TX (#17780) CBSA Metro Statistical Area: College Station-Bryan, TX (#17780)
Financial Summary
Total assets: $185.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
58Total employees (full-time equivalent)
$189,891Total assets
$13,407Cash and due from depository institutions
$6,439Interest-bearing balances
$37,439Securities
$30,000Federal funds sold & reverse repurchase agreements
$101,516Net loans & leases
$1,222Loan loss allowance
$0Trading account assets
$2,661Bank premises and fixed assets
$8Other real estate owned
$1,268Goodwill and other intangibles
$0Life insurance assets
$3,592All other assets
$189,891Total liabilities and capital
$168,891Total liabilities
$168,030Total deposits
$138,134Interest-bearing deposits
$168,030Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$861All other liabilities
$21,000Total equity capital
$21,000Total bank equity capital
$21,000Perpetual preferred stock
$0Common stock
$600Surplus
$7,703Undivided profits
Memoranda
$12,697Noncurrent loans and leases
$8,175Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$650Earning assets
$0Long-term assets (5+ years)
$976Average Assets, year-to-date
$175,394Average Assets, quarterly
$8,240Volatile liabilities
$182,149Insider loans
$188,739FHLB advances
$32,750Loans and leases held for sale
$1,251Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,175Total unused commitments
$0Restructured Loans and leases
$1,222Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$8,721Total interest income
$1,980Total interest expense
$6,741Net interest income
$1,073Provision for loan and lease losses
$1,318Total noninterest income
$0Fiduciary activities
$979Service charges on deposit accounts
$0Trading account gains & fees
$339Additional noninterest income
$4,979Total noninterest expense
$2,817Salaries and employee benefits
$530Premises and equipment expense
$1,632Additional noninterest expense
$2,007Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$2,007Income before extraordinary items
$0Extraordinary gains - net
$2,007Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$850Sale, conversion, retirement of capital stock, net
$1,845Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.18%Yield on earning assets
1.18%Cost of funding earning assets
4.00%Net interest margin
0.78%Noninterest income to earning assets
2.95%Noninterest expense to earning assets
1.10%Net operating income to assets
1.10%Return on assets (ROA)
1.10%Pretax return on assets
9.39%Return on equity (ROE)
0.76%Retained earnings to average equity (YTD only)
0.83%Net charge-offs to loans
126.24%Credit loss provision to net charge-offs
3.62%Efficiency ratio
61,782Assets per employee
3.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
91.93%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
188.00%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.63%Net loans and leases to deposits
60.42%Net loans and leases to core deposits
75.04%Equity capital to assets
11.06%Core capital (leverage) ratio
10.48%Tier 1 risk-based capital ratio
18.59%Total risk-based capital ratio
Memoranda
$20Average assets
$182,149Average earning assets
$21,373Average equity
$168,506Average loans
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