FDIC Certificate #: 3119 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Franklin Bank, S.S.B. (#26870) Federal Reserve ID: 113151 Date Established: January 01, 1862 WWW:http://www.fnb-bcs.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 7 (Interstate: No) OTS Docket #: 12323 FDIC's unique #: 1993 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: May 08, 2007 Last Structure Change Process Date: May 21, 2007 Last Data Update: May 21, 2007 Data Source Date: April 05, 2012
Location
Address: 2807 Texas Avenue, Bryan, TX 77801 County: Brazos 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): Bryan-College Station, TX (#1260) Core Based Statistical Area (CBSA): College Station-Bryan, TX (#17780) CBSA Metro Statistical Area: College Station-Bryan, TX (#17780)
Financial Summary
Total assets: $540.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
147Total employees (full-time equivalent)
$530,185Total assets
$15,590Cash and due from depository institutions
$217Interest-bearing balances
$136,720Securities
$4,200Federal funds sold & reverse repurchase agreements
$342,898Net loans & leases
$4,633Loan loss allowance
$0Trading account assets
$9,178Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$12,119Life insurance assets
$21,599All other assets
$530,185Total liabilities and capital
$478,805Total liabilities
$465,872Total deposits
$330,597Interest-bearing deposits
$465,872Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$9,318Other borrowed funds
$0Subordinated debt
$3,615All other liabilities
$51,380Total equity capital
$51,380Total bank equity capital
$51,380Perpetual preferred stock
$0Common stock
$487Surplus
$751Undivided profits
Memoranda
$50,142Noncurrent loans and leases
$35,400Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$375Earning assets
$0Long-term assets (5+ years)
$4,661Average Assets, year-to-date
$484,035Average Assets, quarterly
$189,760Volatile liabilities
$499,404Insider loans
$523,757FHLB advances
$61,522Loans and leases held for sale
$8,293Unused loan commitments
$9,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$35,400Total unused commitments
$0Restructured Loans and leases
$3,917Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$30,212Total interest income
$11,361Total interest expense
$18,851Net interest income
$360Provision for loan and lease losses
$7,351Total noninterest income
$831Fiduciary activities
$3,415Service charges on deposit accounts
$0Trading account gains & fees
$3,105Additional noninterest income
$15,422Total noninterest expense
$8,100Salaries and employee benefits
$1,624Premises and equipment expense
$5,698Additional noninterest expense
$10,420Pre-tax net operating income
$0Securities gains (losses)
$2,501Applicable income taxes
$7,919Income before extraordinary items
$0Extraordinary gains - net
$7,919Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$73Sale, conversion, retirement of capital stock, net
$1,071Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.62%Yield on earning assets
2.49%Cost of funding earning assets
4.13%Net interest margin
1.61%Noninterest income to earning assets
3.38%Noninterest expense to earning assets
1.59%Net operating income to assets
1.59%Return on assets (ROA)
2.09%Pretax return on assets
16.58%Return on equity (ROE)
14.34%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
493.15%Credit loss provision to net charge-offs
147.67%Efficiency ratio
58,858Assets per employee
3.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
13.52%Loss allowance to loans
1.33%Loss allowance to noncurrent loans
1235.47%Noncurrent assets plus other real estate owned to assets
0.07%Noncurrent loans to loans
0.11%Net loans and leases to deposits
73.60%Net loans and leases to core deposits
84.80%Equity capital to assets
9.69%Core capital (leverage) ratio
9.54%Tier 1 risk-based capital ratio
16.55%Total risk-based capital ratio
Memoranda
$18Average assets
$499,404Average earning assets
$47,758Average equity
$456,353Average loans
Total Fiduciary and Related Assets (December 31, 2006)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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