FDIC Certificate #: 10356 Status: Inactive Closing history: Corrections Acquiring institution:Independent Bank (#3076) Federal Reserve ID: 743651 Date Established: January 01, 1925 WWW:http://www.fsbcelina.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Interstate: No) OTS Docket #: 11522 FDIC's unique #: 6633 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 31, 2004 Last Structure Change Process Date: January 13, 2005 Last Data Update: January 13, 2005 Data Source Date: April 05, 2012
Location
Address: 142 North Ohio Drive, Celina, TX 75009 County: Collin 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): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $90.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
50Total employees (full-time equivalent)
$82,836Total assets
$5,553Cash and due from depository institutions
$2,207Interest-bearing balances
$13,833Securities
$285Federal funds sold & reverse repurchase agreements
$57,892Net loans & leases
$185Loan loss allowance
$0Trading account assets
$4,460Bank premises and fixed assets
$16Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$797All other assets
$82,836Total liabilities and capital
$76,000Total liabilities
$75,738Total deposits
$59,096Interest-bearing deposits
$75,738Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$200Other borrowed funds
$0Subordinated debt
$62All other liabilities
$6,836Total equity capital
$6,836Total bank equity capital
$6,836Perpetual preferred stock
$0Common stock
$200Surplus
$4,250Undivided profits
Memoranda
$2,386Noncurrent loans and leases
$4,585Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$25Earning assets
$0Long-term assets (5+ years)
$378Average Assets, year-to-date
$74,217Average Assets, quarterly
$3,519Volatile liabilities
$79,119Insider loans
$80,928FHLB advances
$5,886Loans and leases held for sale
$433Unused loan commitments
$200Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,585Total unused commitments
$0Restructured Loans and leases
$185Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$4,511Total interest income
$739Total interest expense
$3,772Net interest income
$88Provision for loan and lease losses
$836Total noninterest income
$0Fiduciary activities
$664Service charges on deposit accounts
$0Trading account gains & fees
$172Additional noninterest income
$3,622Total noninterest expense
$1,971Salaries and employee benefits
$639Premises and equipment expense
$1,012Additional noninterest expense
$898Pre-tax net operating income
$45Securities gains (losses)
$0Applicable income taxes
$943Income before extraordinary items
$0Extraordinary gains - net
$943Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$91Sale, conversion, retirement of capital stock, net
$100Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.31%Yield on earning assets
1.03%Cost of funding earning assets
5.27%Net interest margin
1.17%Noninterest income to earning assets
5.06%Noninterest expense to earning assets
1.14%Net operating income to assets
1.19%Return on assets (ROA)
1.19%Pretax return on assets
14.41%Return on equity (ROE)
12.88%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
96.70%Credit loss provision to net charge-offs
10.84%Efficiency ratio
78,602Assets per employee
1.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
10.60%Loss allowance to loans
0.32%Loss allowance to noncurrent loans
740.00%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.04%Net loans and leases to deposits
76.44%Net loans and leases to core deposits
82.88%Equity capital to assets
8.25%Core capital (leverage) ratio
8.17%Tier 1 risk-based capital ratio
11.83%Total risk-based capital ratio
Memoranda
$12Average assets
$79,119Average earning assets
$6,546Average equity
$71,540Average loans
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