FDIC Certificate #: 3347 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The City National Bank of Sulphur Springs (#5544) Federal Reserve ID: 386357 Date Established: July 15, 1898 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 2168 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: March 12, 2011 Last Structure Change Process Date: March 23, 2011 Last Data Update: March 23, 2011 Data Source Date: April 05, 2012
Location
Address: 200 North Pacific Street, Mineola, TX 75773 County: Wood 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: $27.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
16Total employees (full-time equivalent)
$27,730Total assets
$634Cash and due from depository institutions
$12Interest-bearing balances
$17,490Securities
$1,156Federal funds sold & reverse repurchase agreements
$6,457Net loans & leases
$75Loan loss allowance
$0Trading account assets
$60Bank premises and fixed assets
$203Other real estate owned
$0Goodwill and other intangibles
$1,321Life insurance assets
$1,730All other assets
$27,730Total liabilities and capital
$25,467Total liabilities
$25,201Total deposits
$16,909Interest-bearing deposits
$25,201Deposits held in domestic offices
95.45%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$266All other liabilities
$2,263Total equity capital
$2,263Total bank equity capital
$2,263Perpetual preferred stock
$0Common stock
$500Surplus
$500Undivided profits
Memoranda
$1,263Noncurrent loans and leases
$13Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$112Earning assets
$0Long-term assets (5+ years)
$102Average Assets, year-to-date
$25,115Average Assets, quarterly
$20,042Volatile liabilities
$29,715Insider loans
$28,301FHLB advances
$3,154Loans and leases held for sale
$750Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$13Total unused commitments
$0Restructured Loans and leases
$75Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$904Total interest income
$183Total interest expense
$721Net interest income
$3Provision for loan and lease losses
$533Total noninterest income
$10Fiduciary activities
$95Service charges on deposit accounts
$0Trading account gains & fees
$428Additional noninterest income
$1,224Total noninterest expense
$659Salaries and employee benefits
$96Premises and equipment expense
$469Additional noninterest expense
$27Pre-tax net operating income
$302Securities gains (losses)
$0Applicable income taxes
$329Income before extraordinary items
$0Extraordinary gains - net
$329Net income attributable to bank
$0Net charge-offs
$329Cash dividends
$3Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.34%Yield on earning assets
0.68%Cost of funding earning assets
2.67%Net interest margin
1.97%Noninterest income to earning assets
4.53%Noninterest expense to earning assets
0.09%Net operating income to assets
1.11%Return on assets (ROA)
1.11%Pretax return on assets
12.90%Return on equity (ROE)
12.90%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
10.00%Efficiency ratio
97,608Assets per employee
1.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
66.96%Noncurrent assets plus other real estate owned to assets
1.14%Noncurrent loans to loans
1.71%Net loans and leases to deposits
25.62%Net loans and leases to core deposits
29.29%Equity capital to assets
8.16%Core capital (leverage) ratio
9.09%Tier 1 risk-based capital ratio
28.24%Total risk-based capital ratio
Memoranda
$29Average assets
$29,715Average earning assets
$2,550Average equity
$27,045Average loans
Total Fiduciary and Related Assets (December 31, 2010)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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