FDIC Certificate #: 5526 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:InterBank (#27210) Federal Reserve ID: 240468 Date Established: January 01, 1904 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) FDIC's unique #: 3755 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 31, 2010 Last Structure Change Process Date: January 04, 2011 Last Data Update: January 04, 2011 Data Source Date: April 05, 2012
Location
Address: 100 North Washington Street, Seymour, TX 76380 County: Baylor 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
Financial Summary
Total assets: $60.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
19Total employees (full-time equivalent)
$60,154Total assets
$2,556Cash and due from depository institutions
$0Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$55,060Net loans & leases
$559Loan loss allowance
$0Trading account assets
$1,099Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,439All other assets
$60,154Total liabilities and capital
$53,824Total liabilities
$53,750Total deposits
$41,575Interest-bearing deposits
$53,750Deposits held in domestic offices
85.37%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$74All other liabilities
$6,330Total equity capital
$6,330Total bank equity capital
$6,330Perpetual preferred stock
$0Common stock
$125Surplus
$3,092Undivided profits
Memoranda
$3,113Noncurrent loans and leases
$8,920Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$317Earning assets
$0Long-term assets (5+ years)
$704Average Assets, year-to-date
$55,060Average Assets, quarterly
$9,804Volatile liabilities
$60,812Insider loans
$58,952FHLB advances
$11,643Loans and leases held for sale
$1,984Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,920Total unused commitments
$0Restructured Loans and leases
$559Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$3,221Total interest income
$532Total interest expense
$2,689Net interest income
$140Provision for loan and lease losses
$488Total noninterest income
$0Fiduciary activities
$394Service charges on deposit accounts
$0Trading account gains & fees
$94Additional noninterest income
$1,750Total noninterest expense
$786Salaries and employee benefits
$209Premises and equipment expense
$755Additional noninterest expense
$1,287Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,287Income before extraordinary items
$0Extraordinary gains - net
$1,287Net income attributable to bank
$0Net charge-offs
$1,287Cash dividends
$199Sale, conversion, retirement of capital stock, net
$1,600Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.73%Yield on earning assets
0.95%Cost of funding earning assets
4.79%Net interest margin
0.87%Noninterest income to earning assets
3.11%Noninterest expense to earning assets
2.12%Net operating income to assets
2.12%Return on assets (ROA)
2.12%Pretax return on assets
19.13%Return on equity (ROE)
-4.65%Retained earnings to average equity (YTD only)
0.35%Net charge-offs to loans
70.35%Credit loss provision to net charge-offs
7.17%Efficiency ratio
55,083Assets per employee
3.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
124.32%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
176.34%Noncurrent assets plus other real estate owned to assets
0.53%Noncurrent loans to loans
0.57%Net loans and leases to deposits
102.44%Net loans and leases to core deposits
130.76%Equity capital to assets
10.52%Core capital (leverage) ratio
10.53%Tier 1 risk-based capital ratio
11.49%Total risk-based capital ratio
Memoranda
$12Average assets
$60,812Average earning assets
$6,729Average equity
$56,193Average loans
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