FDIC Certificate #: 5500 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First State Bank of Texas (#10348) Federal Reserve ID: 989860 Date Established: September 23, 1923 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 #: 3730 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: July 13, 2000 Last Structure Change Process Date: November 06, 2000 Last Data Update: November 06, 2000 Data Source Date: April 05, 2012
Location
Address: 2910 Avenue H And Damon Streets, Rosenberg, TX 77471 County: Fort Bend Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Houston, TX (#3360) Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42) Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288) Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420) CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
Financial Summary
Total assets: $92.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
64Total employees (full-time equivalent)
$92,286Total assets
$5,315Cash and due from depository institutions
$0Interest-bearing balances
$38,213Securities
$3,266Federal funds sold & reverse repurchase agreements
$40,399Net loans & leases
$459Loan loss allowance
$0Trading account assets
$3,379Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,714All other assets
$92,286Total liabilities and capital
$85,690Total liabilities
$84,848Total deposits
$65,948Interest-bearing deposits
$84,848Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$842All other liabilities
$6,596Total equity capital
$6,596Total bank equity capital
$6,596Perpetual preferred stock
$0Common stock
$200Surplus
$200Undivided profits
Memoranda
$6,196Noncurrent loans and leases
$6,917Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$177Earning assets
$69Long-term assets (5+ years)
$240Average Assets, year-to-date
$81,878Average Assets, quarterly
$32,126Volatile liabilities
$91,139Insider loans
$91,367FHLB advances
$4,380Loans and leases held for sale
$526Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$6,917Total unused commitments
$0Restructured Loans and leases
$459Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$6,185Total interest income
$1,648Total interest expense
$4,537Net interest income
$200Provision for loan and lease losses
$2,073Total noninterest income
$0Fiduciary activities
$762Service charges on deposit accounts
$0Trading account gains & fees
$1,311Additional noninterest income
$4,882Total noninterest expense
$2,696Salaries and employee benefits
$680Premises and equipment expense
$1,506Additional noninterest expense
$1,528Pre-tax net operating income
$0Securities gains (losses)
$356Applicable income taxes
$1,172Income before extraordinary items
$0Extraordinary gains - net
$1,172Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$168Sale, conversion, retirement of capital stock, net
$1,050Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.60%Yield on earning assets
2.02%Cost of funding earning assets
5.57%Net interest margin
2.55%Noninterest income to earning assets
6.00%Noninterest expense to earning assets
1.29%Net operating income to assets
1.29%Return on assets (ROA)
1.68%Pretax return on assets
15.88%Return on equity (ROE)
1.65%Retained earnings to average equity (YTD only)
0.45%Net charge-offs to loans
119.05%Credit loss provision to net charge-offs
10.29%Efficiency ratio
73,858Assets per employee
1.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
89.59%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
259.32%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.43%Net loans and leases to deposits
47.61%Net loans and leases to core deposits
50.21%Equity capital to assets
7.15%Core capital (leverage) ratio
8.16%Tier 1 risk-based capital ratio
13.23%Total risk-based capital ratio
Memoranda
$14Average assets
$91,139Average earning assets
$7,381Average equity
$81,430Average loans
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