FDIC Certificate #: 11927 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Bank and Trust, S.S.B. (#1184) Federal Reserve ID: 296054 Date Established: January 01, 1906 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 7616 Numeric code: 13 Regulator: FED 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: January 01, 1998 Last Structure Change Process Date: Febuary 20, 1998 Last Data Update: Febuary 20, 1998 Data Source Date: April 05, 2012
Location
Address: Main Street, Brackettville, TX 78832 County: Kinney 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
Financial Summary
Total assets: $14.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
7Total employees (full-time equivalent)
$14,797Total assets
$816Cash and due from depository institutions
$0Interest-bearing balances
$5,764Securities
$4,280Federal funds sold & reverse repurchase agreements
$3,702Net loans & leases
$50Loan loss allowance
$0Trading account assets
$156Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$79All other assets
$14,797Total liabilities and capital
$13,571Total liabilities
$13,447Total deposits
$11,106Interest-bearing deposits
$13,447Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$124All other liabilities
$1,226Total equity capital
$1,226Total bank equity capital
$1,226Perpetual preferred stock
$0Common stock
$240Surplus
$250Undivided profits
Memoranda
$736Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$17Average Assets, year-to-date
$13,746Average Assets, quarterly
$1,612Volatile liabilities
$14,080Insider loans
$14,407FHLB advances
$1,162Loans and leases held for sale
$103Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$321Total unused commitments
$0Restructured Loans and leases
$4,690Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$936Total interest income
$367Total interest expense
$569Net interest income
$0Provision for loan and lease losses
$152Total noninterest income
$0Fiduciary activities
$118Service charges on deposit accounts
$0Trading account gains & fees
$34Additional noninterest income
$466Total noninterest expense
$236Salaries and employee benefits
$77Premises and equipment expense
$153Additional noninterest expense
$255Pre-tax net operating income
$0Securities gains (losses)
$84Applicable income taxes
$171Income before extraordinary items
$0Extraordinary gains - net
$171Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$110Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.18%Yield on earning assets
2.82%Cost of funding earning assets
4.37%Net interest margin
1.17%Noninterest income to earning assets
3.58%Noninterest expense to earning assets
1.21%Net operating income to assets
1.21%Return on assets (ROA)
1.81%Pretax return on assets
14.70%Return on equity (ROE)
5.24%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
64,632Assets per employee
2.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
64.33%Loss allowance to loans
1.33%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
27.53%Net loans and leases to core deposits
30.13%Equity capital to assets
8.29%Core capital (leverage) ratio
8.28%Tier 1 risk-based capital ratio
25.67%Total risk-based capital ratio
Memoranda
$27Average assets
$14,080Average earning assets
$1,163Average equity
$13,033Average loans
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