Shadow Hills National Bank in Lubbock, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 01, 1994

  • Shadow Hills National Bank in Lubbock, Texas (TX)
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Shadow Hills National Bank - Overview

  • General
  • FDIC Certificate #: 24298
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First United Bank (#12769)
    Federal Reserve ID: 825856
    Date Established: January 03, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 16900
    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 03, 1983
    Last Structure Change Effective Date: December 01, 1994
    Last Structure Change Process Date: December 15, 1994
    Last Data Update: December 15, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: Fourth Street And Frankfort Avenue, Lubbock, TX 79490
    County: Lubbock
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Lubbock, TX (#4600)
    Combined Statistical Area (CSA): Lubbock-Levelland, TX (#352)
    Core Based Statistical Area (CBSA): Lubbock, TX (#31180)
    CBSA Metro Statistical Area: Lubbock, TX (#31180)
  • History of Changes
  • Merger - Without Assistance
    Participated in Reorganization
    Corrections
  • Financial Summary
  • Total assets: $30.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $26Total assets
  • $29,942Cash and due from depository institutions
  • $2,196Interest-bearing balances
  • $0Securities
  • $5,529Federal funds sold & reverse repurchase agreements
  • $2,100Net loans & leases
  • $18,025Loan loss allowance
  • $221Trading account assets
  • $0Bank premises and fixed assets
  • $1,714Other real estate owned
  • $121Goodwill and other intangibles
  • $257Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $29,942Total liabilities
  • $27,771Total deposits
  • $27,409Interest-bearing deposits
  • $19,769Deposits held in domestic offices
  • 27409.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $362Total equity capital
  • $362Total bank equity capital
  • $2,171Perpetual preferred stock
  • $0Common stock
  • $1,200Surplus
  • $1,300Undivided profits
  • Memoranda
  • $-329Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $71Income earned, not collected on loans
  • $142Earning assets
  • $25,654Long-term assets (5+ years)
  • $495Average Assets, year-to-date
  • $29,600Average Assets, quarterly
  • $29,871Volatile liabilities
  • $3,568Insider loans
  • $615FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $558Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,171Total risk weighted assets
  • $20,850Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,050Total interest expense
  • $585Net interest income
  • $1,465Provision for loan and lease losses
  • $49Total noninterest income
  • $621Fiduciary activities
  • $0Service charges on deposit accounts
  • $506Trading account gains & fees
  • $0Additional noninterest income
  • $115Total noninterest expense
  • $1,729Salaries and employee benefits
  • $805Premises and equipment expense
  • $333Additional noninterest expense
  • $591Pre-tax net operating income
  • $308Securities gains (losses)
  • $32Applicable income taxes
  • $90Income before extraordinary items
  • $250Extraordinary gains - net
  • -$208Net income attributable to bank
  • $42Net charge-offs
  • $55Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.13%Cost of funding earning assets
  • 2.32%Net interest margin
  • 5.81%Noninterest income to earning assets
  • 2.46%Noninterest expense to earning assets
  • 6.86%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 0.14%Pretax return on assets
  • 0.45%Return on equity (ROE)
  • 1.91%Retained earnings to average equity (YTD only)
  • 1.91%Net charge-offs to loans
  • 0.32%Credit loss provision to net charge-offs
  • 89.09%Efficiency ratio
  • 82,886Assets per employee
  • 1.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 311.27%Noncurrent assets plus other real estate owned to assets
  • 0.64%Noncurrent loans to loans
  • 0.39%Net loans and leases to deposits
  • 65.76%Net loans and leases to core deposits
  • 75.61%Equity capital to assets
  • 7.25%Core capital (leverage) ratio
  • 7.21%Tier 1 risk-based capital ratio
  • 10.41%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $29,600Average earning assets
  • $2,203Average equity
  • $25,206Average loans

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