FDIC Certificate #: 26637 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Regions Bank (#12368) Federal Reserve ID: 961156 Date Established: April 11, 1986 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 6 (Interstate: No) FDIC's unique #: 35369 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: April 11, 1986 Last Structure Change Effective Date: November 10, 2000 Last Structure Change Process Date: December 18, 2000 Last Data Update: December 18, 2000 Data Source Date: April 05, 2012
Location
Address: Highway 79, Hutto, TX 78634 County: Williamson Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Atlanta FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640) Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126) Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420) CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
Financial Summary
Total assets: $112.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
55Total employees (full-time equivalent)
$97,119Total assets
$6,563Cash and due from depository institutions
$99Interest-bearing balances
$20,518Securities
$1,450Federal funds sold & reverse repurchase agreements
$64,326Net loans & leases
$525Loan loss allowance
$0Trading account assets
$3,246Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,016All other assets
$97,119Total liabilities and capital
$91,283Total liabilities
$90,402Total deposits
$69,698Interest-bearing deposits
$90,402Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$881All other liabilities
$5,836Total equity capital
$5,836Total bank equity capital
$5,836Perpetual preferred stock
$0Common stock
$1,050Surplus
$4,950Undivided profits
Memoranda
$-164Noncurrent loans and leases
$19,337Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$43Earning assets
$0Long-term assets (5+ years)
$360Average Assets, year-to-date
$86,393Average Assets, quarterly
$7,933Volatile liabilities
$90,253Insider loans
$93,017FHLB advances
$8,085Loans and leases held for sale
$111Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$19,337Total unused commitments
$0Restructured Loans and leases
$525Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$6,494Total interest income
$2,614Total interest expense
$3,880Net interest income
$330Provision for loan and lease losses
$1,161Total noninterest income
$0Fiduciary activities
$534Service charges on deposit accounts
$0Trading account gains & fees
$627Additional noninterest income
$3,410Total noninterest expense
$1,740Salaries and employee benefits
$586Premises and equipment expense
$1,084Additional noninterest expense
$1,301Pre-tax net operating income
$26Securities gains (losses)
$413Applicable income taxes
$914Income before extraordinary items
$0Extraordinary gains - net
$914Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$110Sale, conversion, retirement of capital stock, net
$203Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.08%Yield on earning assets
3.25%Cost of funding earning assets
4.83%Net interest margin
1.44%Noninterest income to earning assets
4.24%Noninterest expense to earning assets
0.99%Net operating income to assets
1.01%Return on assets (ROA)
1.47%Pretax return on assets
16.38%Return on equity (ROE)
12.74%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
300.00%Credit loss provision to net charge-offs
14.83%Efficiency ratio
67,645Assets per employee
1.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
22.21%Loss allowance to loans
0.81%Loss allowance to noncurrent loans
1220.93%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.07%Net loans and leases to deposits
71.16%Net loans and leases to core deposits
78.14%Equity capital to assets
6.01%Core capital (leverage) ratio
6.51%Tier 1 risk-based capital ratio
9.32%Total risk-based capital ratio
Memoranda
$10Average assets
$90,253Average earning assets
$5,580Average equity
$80,353Average loans
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