FDIC Certificate #: 12298 Status: Active Federal Reserve ID: 370954 Bank Holding Company (Regulatory Top Holder): Maypearl Bancshares, Inc. (RSSDID: 2591267, Location: Maypearl, TX) Date Established: January 01, 1930 WWW:http://www.cowboybank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7818 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 31, 2007 Last Structure Change Process Date: December 04, 2007 Last Data Update: December 04, 2007 Data Source Date: April 05, 2012
Location
Address: 100 Main Street, Maypearl, TX 76064 County: Ellis 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 Metropolitan Statistical Area (MSA): Dallas, TX (#1920) Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31) Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
History of Changes
Change in Location
Name Change
Financial Summary
Total assets: $51.0 mil Equity capital: $4.8 mil Deposits held in domestic offices: $46.1 mil Return on assets (ROA): 2.39% ($1.2 mil) Quarterly return on assets: 2.21% ($1.1 mil) Return on Equity (ROE): 24.89% ($1.2 mil) Quarterly return on equity: 23.27% ($1.2 mil) Net income: $1.1 mil Quarterly Net income: $0.3 mil Pretax return on assets: 2.39% ($1,218.3 mil) Quarterly Pretax return on assets: 2.21% ($1,126.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
15Total employees (full-time equivalent)
$50,975Total assets
$11,391Cash and due from depository institutions
$9,966Interest-bearing balances
$7,444Securities
$0Federal funds sold & reverse repurchase agreements
$30,619Net loans & leases
$334Loan loss allowance
$0Trading account assets
$998Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$50,975Life insurance assets
$523All other assets
$46,213Total liabilities and capital
$46,141Total liabilities
$38,417Total deposits
$46,141Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$72Subordinated debt
$4,762All other liabilities
$4,762Total equity capital
$4,762Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,700Surplus
$2,962Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$167Income earned, not collected on loans
$0Earning assets
$313Long-term assets (5+ years)
$48,029Average Assets, year-to-date
$9,456Average Assets, quarterly
$46,520Volatile liabilities
$49,683Insider loans
$28,317FHLB advances
$49,785Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,445Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,990Restructured Loans and leases
$40Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,733Total interest income
$392Total interest expense
$2,341Net interest income
$81Provision for loan and lease losses
$561Total noninterest income
$0Fiduciary activities
$299Service charges on deposit accounts
$0Trading account gains & fees
$262Additional noninterest income
$1,709Total noninterest expense
$860Salaries and employee benefits
$142Premises and equipment expense
$707Additional noninterest expense
$1,112Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,112Income before extraordinary items
$0Extraordinary gains - net
$1,112Net income attributable to bank
$0Net charge-offs
$1,112Cash dividends
$87Sale, conversion, retirement of capital stock, net
$728Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.43%Yield on earning assets
0.92%Cost of funding earning assets
5.51%Net interest margin
1.32%Noninterest income to earning assets
4.02%Noninterest expense to earning assets
2.39%Net operating income to assets
2.39%Return on assets (ROA)
2.39%Pretax return on assets
24.89%Return on equity (ROE)
8.59%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
93.10%Credit loss provision to net charge-offs
13.71%Efficiency ratio
58,890Assets per employee
3.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.47%Loss allowance to loans
1.08%Loss allowance to noncurrent loans
200.00%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.54%Net loans and leases to deposits
66.36%Net loans and leases to core deposits
69.97%Equity capital to assets
9.34%Core capital (leverage) ratio
8.93%Tier 1 risk-based capital ratio
15.70%Total risk-based capital ratio
Memoranda
$17Average assets
$46,520Average earning assets
$4,468Average equity
$42,506Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7818
The Cowboy Bank Of Texas
100 Main Street, Maypearl, TX 76064
January 01, 1930
Full Service Brick and Mortar
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