FDIC Certificate #: 57532 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:State Bank (#10346) Federal Reserve ID: 3193501 Date Established: July 10, 2003 WWW:http://www.theexpressbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 365109 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: July 10, 2003 Last Structure Change Effective Date: Febuary 14, 2006 Last Structure Change Process Date: Febuary 23, 2006 Last Data Update: Febuary 23, 2006 Data Source Date: April 05, 2012
Location
Address: 3434 East Palm Valley Boulevard, Round Rock, TX 78664 County: Williamson Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas 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: $42.8 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2005)
Dollar figures in thousands
17Total employees (full-time equivalent)
$42,843Total assets
$2,374Cash and due from depository institutions
$0Interest-bearing balances
$12,470Securities
$4,650Federal funds sold & reverse repurchase agreements
$19,000Net loans & leases
$157Loan loss allowance
$0Trading account assets
$3,781Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$568All other assets
$42,843Total liabilities and capital
$38,713Total liabilities
$38,650Total deposits
$31,608Interest-bearing deposits
$38,650Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$63All other liabilities
$4,130Total equity capital
$4,130Total bank equity capital
$4,130Perpetual preferred stock
$0Common stock
$2,750Surplus
$2,750Undivided profits
Memoranda
$-1,370Noncurrent loans and leases
$2,300Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$10Earning assets
$0Long-term assets (5+ years)
$218Average Assets, year-to-date
$36,120Average Assets, quarterly
$7,712Volatile liabilities
$44,485Insider loans
$42,832FHLB advances
$7,328Loans and leases held for sale
$565Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,300Total unused commitments
$0Restructured Loans and leases
$157Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$1,999Total interest income
$785Total interest expense
$1,214Net interest income
$54Provision for loan and lease losses
$280Total noninterest income
$0Fiduciary activities
$11Service charges on deposit accounts
$0Trading account gains & fees
$269Additional noninterest income
$1,563Total noninterest expense
$718Salaries and employee benefits
$252Premises and equipment expense
$593Additional noninterest expense
-$123Pre-tax net operating income
-$82Securities gains (losses)
$0Applicable income taxes
-$205Income before extraordinary items
$0Extraordinary gains - net
-$205Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$17Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.25%Yield on earning assets
2.06%Cost of funding earning assets
3.19%Net interest margin
0.74%Noninterest income to earning assets
4.11%Noninterest expense to earning assets
-0.28%Net operating income to assets
-0.46%Return on assets (ROA)
-0.46%Pretax return on assets
-4.72%Return on equity (ROE)
-4.72%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
317.65%Credit loss provision to net charge-offs
-4.06%Efficiency ratio
104,618Assets per employee
2.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.82%Loss allowance to noncurrent loans
1570.00%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.05%Net loans and leases to deposits
49.16%Net loans and leases to core deposits
60.66%Equity capital to assets
9.64%Core capital (leverage) ratio
9.92%Tier 1 risk-based capital ratio
16.15%Total risk-based capital ratio
Memoranda
$17Average assets
$44,485Average earning assets
$4,344Average equity
$38,053Average loans
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