FDIC Certificate #: 3133 Status: Active Federal Reserve ID: 871956 Bank Holding Company (Regulatory Top Holder): Metroplex North Bancshares, Inc. Employee Stock Ownership Plan (RSSDID: 2754594, Location: Mcgregor, TX) Date Established: January 01, 1900 WWW:http://www.firstbankceleste.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 #: 2005 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: Commercial Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 301 N. Hwy 69, Celeste, TX 75423 County: Hunt 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $39.6 mil Equity capital: $3.5 mil Deposits held in domestic offices: $36.1 mil Return on assets (ROA): 0.79% ($0.3 mil) Quarterly return on assets: 0.67% ($0.3 mil) Return on Equity (ROE): 9.02% ($0.3 mil) Quarterly return on equity: 7.55% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.79% ($312.9 mil) Quarterly Pretax return on assets: 0.67% ($265.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$39,603Total assets
$13,764Cash and due from depository institutions
$11,515Interest-bearing balances
$4,620Securities
$980Federal funds sold & reverse repurchase agreements
$19,529Net loans & leases
$358Loan loss allowance
$0Trading account assets
$375Bank premises and fixed assets
$122Other real estate owned
$0Goodwill and other intangibles
$39,603Life insurance assets
$213All other assets
$36,109Total liabilities and capital
$36,051Total liabilities
$26,166Total deposits
$36,051Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$58Subordinated debt
$3,494All other liabilities
$3,494Total equity capital
$3,494Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$2,300Surplus
$1,094Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$106Long-term assets (5+ years)
$36,644Average Assets, year-to-date
$11,875Average Assets, quarterly
$39,634Volatile liabilities
$39,452Insider loans
$20,150FHLB advances
$39,358Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,494Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$504Restructured Loans and leases
$63Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,585Total interest income
$207Total interest expense
$1,378Net interest income
-$18Provision for loan and lease losses
$314Total noninterest income
$0Fiduciary activities
$222Service charges on deposit accounts
$0Trading account gains & fees
$92Additional noninterest income
$1,396Total noninterest expense
$704Salaries and employee benefits
$117Premises and equipment expense
$575Additional noninterest expense
$314Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$314Income before extraordinary items
$0Extraordinary gains - net
$314Net income attributable to bank
$0Net charge-offs
$314Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$284Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.30%Yield on earning assets
0.56%Cost of funding earning assets
3.74%Net interest margin
0.85%Noninterest income to earning assets
3.79%Noninterest expense to earning assets
0.79%Net operating income to assets
0.79%Return on assets (ROA)
0.79%Pretax return on assets
9.02%Return on equity (ROE)
0.86%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
1800.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
82,506Assets per employee
3.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.45%Loss allowance to loans
1.80%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.31%Noncurrent loans to loans
0.00%Net loans and leases to deposits
54.17%Net loans and leases to core deposits
54.17%Equity capital to assets
8.82%Core capital (leverage) ratio
8.88%Tier 1 risk-based capital ratio
17.34%Total risk-based capital ratio
Memoranda
$19Average assets
$39,634Average earning assets
$3,481Average equity
$36,859Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2005
The First Bank Of Celeste
301 N. Hwy 69, Celeste, TX 75423
January 01, 1900
Full Service Brick and Mortar
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