FDIC Certificate #: 3080 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Franklin Bank, S.S.B. (#26870) Federal Reserve ID: 263953 Date Established: April 17, 1890 WWW:http://www.fnbathens.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 4 (Interstate: No) OTS Docket #: 11455 FDIC's unique #: 1961 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 09, 2005 Last Structure Change Process Date: May 20, 2005 Last Data Update: May 20, 2005 Data Source Date: April 05, 2012
Location
Address: 125 North Prairieville, Athens, TX 75751 County: Henderson 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): Athens, TX (#11980) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $212.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
76Total employees (full-time equivalent)
$217,720Total assets
$8,360Cash and due from depository institutions
$0Interest-bearing balances
$68,931Securities
$34,730Federal funds sold & reverse repurchase agreements
$95,950Net loans & leases
$1,137Loan loss allowance
$0Trading account assets
$6,207Bank premises and fixed assets
$14Other real estate owned
$1,237Goodwill and other intangibles
$0Life insurance assets
$2,291All other assets
$217,720Total liabilities and capital
$190,790Total liabilities
$189,712Total deposits
$152,279Interest-bearing deposits
$189,712Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,078All other liabilities
$26,930Total equity capital
$26,930Total bank equity capital
$26,930Perpetual preferred stock
$0Common stock
$1,625Surplus
$1,625Undivided profits
Memoranda
$23,680Noncurrent loans and leases
$13,619Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$389Earning assets
$0Long-term assets (5+ years)
$996Average Assets, year-to-date
$199,611Average Assets, quarterly
$36,283Volatile liabilities
$218,093Insider loans
$216,710FHLB advances
$19,156Loans and leases held for sale
$1,105Unused loan commitments
$0Tier 1 (core) risk-based capital
$376Tier 2 risk-based capital
$80Total risk weighted assets
$13,619Total unused commitments
$0Restructured Loans and leases
$1,137Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$8,143Total interest income
$1,790Total interest expense
$6,353Net interest income
$180Provision for loan and lease losses
$2,183Total noninterest income
$0Fiduciary activities
$1,260Service charges on deposit accounts
$0Trading account gains & fees
$923Additional noninterest income
$7,495Total noninterest expense
$4,245Salaries and employee benefits
$1,031Premises and equipment expense
$2,219Additional noninterest expense
$861Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$861Income before extraordinary items
$0Extraordinary gains - net
$861Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$208Sale, conversion, retirement of capital stock, net
$699Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.06%Yield on earning assets
0.89%Cost of funding earning assets
3.17%Net interest margin
1.09%Noninterest income to earning assets
3.74%Noninterest expense to earning assets
0.39%Net operating income to assets
0.39%Return on assets (ROA)
0.39%Pretax return on assets
3.15%Return on equity (ROE)
0.59%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
86.54%Credit loss provision to net charge-offs
5.00%Efficiency ratio
87,605Assets per employee
2.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
81.18%Loss allowance to loans
1.17%Loss allowance to noncurrent loans
292.29%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.40%Net loans and leases to deposits
50.58%Net loans and leases to core deposits
56.26%Equity capital to assets
12.37%Core capital (leverage) ratio
12.28%Tier 1 risk-based capital ratio
21.95%Total risk-based capital ratio
Memoranda
$23Average assets
$218,093Average earning assets
$27,309Average equity
$200,590Average loans
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