FDIC Certificate #: 1216 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Community Bank & Trust, S.S.B. (#15325) Federal Reserve ID: 404569 Date Established: June 27, 1906 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 5 (Interstate: No) FDIC's unique #: 834 Numeric code: 13 Regulator: FED 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: October 10, 1998 Last Structure Change Process Date: Febuary 12, 1999 Last Data Update: Febuary 12, 1999 Data Source Date: April 05, 2012
Location
Address: 100 East Avenue G, Silsbee, TX 77656 County: Hardin 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 Metropolitan Statistical Area (MSA): Beaumont-Port Arthur, TX (#840) Core Based Statistical Area (CBSA): Beaumont-Port Arthur, TX (#13140) CBSA Metro Statistical Area: Beaumont-Port Arthur, TX (#13140)
Financial Summary
Total assets: $161.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
88Total employees (full-time equivalent)
$140,069Total assets
$11,116Cash and due from depository institutions
$96Interest-bearing balances
$48,905Securities
$12,000Federal funds sold & reverse repurchase agreements
$62,240Net loans & leases
$1,288Loan loss allowance
$0Trading account assets
$3,787Bank premises and fixed assets
$13Other real estate owned
$781Goodwill and other intangibles
$0Life insurance assets
$1,227All other assets
$140,069Total liabilities and capital
$126,237Total liabilities
$125,686Total deposits
$96,993Interest-bearing deposits
$125,686Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$551All other liabilities
$13,832Total equity capital
$13,832Total bank equity capital
$13,832Perpetual preferred stock
$0Common stock
$1,575Surplus
$3,625Undivided profits
Memoranda
$8,632Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$691Earning assets
$0Long-term assets (5+ years)
$240Average Assets, year-to-date
$123,241Average Assets, quarterly
$16,312Volatile liabilities
$139,843Insider loans
$140,606FHLB advances
$10,739Loans and leases held for sale
$2,291Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$6,176Total unused commitments
$0Restructured Loans and leases
$74,386Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$10,347Total interest income
$3,638Total interest expense
$6,709Net interest income
$600Provision for loan and lease losses
$2,465Total noninterest income
$46Fiduciary activities
$1,994Service charges on deposit accounts
$0Trading account gains & fees
$425Additional noninterest income
$6,116Total noninterest expense
$3,252Salaries and employee benefits
$670Premises and equipment expense
$2,194Additional noninterest expense
$2,458Pre-tax net operating income
$0Securities gains (losses)
$745Applicable income taxes
$1,713Income before extraordinary items
$0Extraordinary gains - net
$1,713Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$377Sale, conversion, retirement of capital stock, net
$628Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.38%Yield on earning assets
2.95%Cost of funding earning assets
5.43%Net interest margin
2.00%Noninterest income to earning assets
4.95%Noninterest expense to earning assets
1.22%Net operating income to assets
1.22%Return on assets (ROA)
1.76%Pretax return on assets
12.94%Return on equity (ROE)
8.19%Retained earnings to average equity (YTD only)
0.59%Net charge-offs to loans
159.15%Credit loss provision to net charge-offs
8.11%Efficiency ratio
66,034Assets per employee
1.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
36.66%Loss allowance to loans
2.03%Loss allowance to noncurrent loans
186.40%Noncurrent assets plus other real estate owned to assets
0.50%Noncurrent loans to loans
1.09%Net loans and leases to deposits
49.52%Net loans and leases to core deposits
54.15%Equity capital to assets
9.88%Core capital (leverage) ratio
9.14%Tier 1 risk-based capital ratio
17.25%Total risk-based capital ratio
Memoranda
$19Average assets
$139,843Average earning assets
$13,241Average equity
$123,528Average loans
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