FDIC Certificate #: 5521 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Comanche National Bank (#3145) Federal Reserve ID: 399067 Date Established: April 06, 1906 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) FDIC's unique #: 3750 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: Febuary 29, 2008 Last Structure Change Process Date: March 12, 2008 Last Data Update: March 12, 2008 Data Source Date: April 05, 2012
Location
Address: Main Street, Santo, TX 76472 County: Palo Pinto 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 Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Mineral Wells, TX (#33420) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $82.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)
Dollar figures in thousands
29Total employees (full-time equivalent)
$82,744Total assets
$3,480Cash and due from depository institutions
$0Interest-bearing balances
$33,128Securities
$5,035Federal funds sold & reverse repurchase agreements
$34,666Net loans & leases
$1,703Loan loss allowance
$0Trading account assets
$758Bank premises and fixed assets
$0Other real estate owned
$5,155Goodwill and other intangibles
$0Life insurance assets
$522All other assets
$82,744Total liabilities and capital
$71,452Total liabilities
$70,902Total deposits
$56,583Interest-bearing deposits
$70,902Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$550All other liabilities
$11,292Total equity capital
$11,292Total bank equity capital
$11,292Perpetual preferred stock
$0Common stock
$100Surplus
$4,238Undivided profits
Memoranda
$6,954Noncurrent loans and leases
$2,099Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$488Earning assets
$0Long-term assets (5+ years)
$318Average Assets, year-to-date
$72,829Average Assets, quarterly
$29,775Volatile liabilities
$79,115Insider loans
$79,620FHLB advances
$17,312Loans and leases held for sale
$356Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,099Total unused commitments
$0Restructured Loans and leases
$515Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$4,775Total interest income
$1,805Total interest expense
$2,970Net interest income
$0Provision for loan and lease losses
$513Total noninterest income
$0Fiduciary activities
$407Service charges on deposit accounts
$0Trading account gains & fees
$106Additional noninterest income
$2,501Total noninterest expense
$1,258Salaries and employee benefits
$119Premises and equipment expense
$1,124Additional noninterest expense
$982Pre-tax net operating income
$0Securities gains (losses)
$388Applicable income taxes
$594Income before extraordinary items
$0Extraordinary gains - net
$594Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$304Sale, conversion, retirement of capital stock, net
$400Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.92%Yield on earning assets
2.62%Cost of funding earning assets
4.31%Net interest margin
0.74%Noninterest income to earning assets
3.63%Noninterest expense to earning assets
0.75%Net operating income to assets
0.75%Return on assets (ROA)
1.24%Pretax return on assets
5.35%Return on equity (ROE)
1.75%Retained earnings to average equity (YTD only)
0.84%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
3.23%Efficiency ratio
66,035Assets per employee
2.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
67.34%Loss allowance to loans
4.68%Loss allowance to noncurrent loans
348.98%Noncurrent assets plus other real estate owned to assets
0.59%Noncurrent loans to loans
1.34%Net loans and leases to deposits
48.89%Net loans and leases to core deposits
64.69%Equity capital to assets
13.65%Core capital (leverage) ratio
8.04%Tier 1 risk-based capital ratio
14.69%Total risk-based capital ratio
Memoranda
$16Average assets
$79,115Average earning assets
$11,101Average equity
$68,975Average loans
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