FDIC Certificate #: 11573 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Financial Bank, National Association (#34320) Federal Reserve ID: 532864 Date Established: January 05, 1923 WWW:http://www.sbtrust.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 7394 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: November 01, 2004 Last Structure Change Process Date: December 06, 2004 Last Data Update: December 06, 2004 Data Source Date: April 05, 2012
Location
Address: 2201 West South Loop, Stephenville, TX 76401 County: Erath Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Stephenville, TX (#44500) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $150.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
46Total employees (full-time equivalent)
$147,980Total assets
$6,202Cash and due from depository institutions
$2Interest-bearing balances
$58,560Securities
$2,075Federal funds sold & reverse repurchase agreements
$75,925Net loans & leases
$889Loan loss allowance
$0Trading account assets
$3,228Bank premises and fixed assets
$449Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,541All other assets
$147,980Total liabilities and capital
$134,674Total liabilities
$134,317Total deposits
$102,799Interest-bearing deposits
$134,317Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$357All other liabilities
$13,306Total equity capital
$13,306Total bank equity capital
$13,306Perpetual preferred stock
$0Common stock
$2,000Surplus
$5,750Undivided profits
Memoranda
$5,556Noncurrent loans and leases
$11,366Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$138Earning assets
$0Long-term assets (5+ years)
$1,025Average Assets, year-to-date
$136,562Average Assets, quarterly
$33,199Volatile liabilities
$142,211Insider loans
$146,225FHLB advances
$17,379Loans and leases held for sale
$1,731Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,386Tier 2 risk-based capital
$0Total risk weighted assets
$11,366Total unused commitments
$0Restructured Loans and leases
$891Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$7,099Total interest income
$1,334Total interest expense
$5,765Net interest income
$670Provision for loan and lease losses
$1,698Total noninterest income
$285Fiduciary activities
$845Service charges on deposit accounts
$0Trading account gains & fees
$568Additional noninterest income
$3,926Total noninterest expense
$1,972Salaries and employee benefits
$516Premises and equipment expense
$1,438Additional noninterest expense
$2,867Pre-tax net operating income
$0Securities gains (losses)
$864Applicable income taxes
$2,003Income before extraordinary items
$0Extraordinary gains - net
$2,003Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$559Sale, conversion, retirement of capital stock, net
$1,425Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.43%Yield on earning assets
1.02%Cost of funding earning assets
4.41%Net interest margin
1.30%Noninterest income to earning assets
3.00%Noninterest expense to earning assets
1.41%Net operating income to assets
1.41%Return on assets (ROA)
2.02%Pretax return on assets
15.39%Return on equity (ROE)
4.44%Retained earnings to average equity (YTD only)
0.74%Net charge-offs to loans
119.86%Credit loss provision to net charge-offs
6.33%Efficiency ratio
52,606Assets per employee
3.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
71.14%Loss allowance to loans
1.16%Loss allowance to noncurrent loans
644.20%Noncurrent assets plus other real estate owned to assets
0.40%Noncurrent loans to loans
0.18%Net loans and leases to deposits
56.53%Net loans and leases to core deposits
64.93%Equity capital to assets
8.99%Core capital (leverage) ratio
8.64%Tier 1 risk-based capital ratio
15.66%Total risk-based capital ratio
Memoranda
$17Average assets
$142,211Average earning assets
$13,019Average equity
$130,804Average loans
Total Fiduciary and Related Assets (December 31, 2003)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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