FDIC Certificate #: 15549 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Bank & Trust East Texas (#17233) Federal Reserve ID: 863456 Date Established: October 28, 1937 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 9843 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: November 01, 1937 Last Structure Change Effective Date: Febuary 23, 2001 Last Structure Change Process Date: May 16, 2001 Last Data Update: May 16, 2001 Data Source Date: April 05, 2012
Location
Address: 204 East Lamar Street, Jasper, TX 75951 County: Jasper Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
Financial Summary
Total assets: $102.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
45Total employees (full-time equivalent)
$102,637Total assets
$4,992Cash and due from depository institutions
$1,768Interest-bearing balances
$40,506Securities
$3,255Federal funds sold & reverse repurchase agreements
$47,377Net loans & leases
$372Loan loss allowance
$0Trading account assets
$1,730Bank premises and fixed assets
$0Other real estate owned
$3,734Goodwill and other intangibles
$0Life insurance assets
$1,043All other assets
$102,637Total liabilities and capital
$91,925Total liabilities
$91,310Total deposits
$77,393Interest-bearing deposits
$91,310Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$615All other liabilities
$10,712Total equity capital
$10,712Total bank equity capital
$10,712Perpetual preferred stock
$0Common stock
$2,000Surplus
$8,388Undivided profits
Memoranda
$324Noncurrent loans and leases
$2,196Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$459Earning assets
$0Long-term assets (5+ years)
$405Average Assets, year-to-date
$92,906Average Assets, quarterly
$10,398Volatile liabilities
$102,396Insider loans
$103,344FHLB advances
$15,612Loans and leases held for sale
$3,296Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,196Total unused commitments
$0Restructured Loans and leases
$372Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$7,225Total interest income
$3,728Total interest expense
$3,497Net interest income
$188Provision for loan and lease losses
$842Total noninterest income
$0Fiduciary activities
$691Service charges on deposit accounts
$0Trading account gains & fees
$151Additional noninterest income
$2,975Total noninterest expense
$1,629Salaries and employee benefits
$272Premises and equipment expense
$1,074Additional noninterest expense
$1,176Pre-tax net operating income
-$4Securities gains (losses)
$355Applicable income taxes
$817Income before extraordinary items
$0Extraordinary gains - net
$817Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$204Sale, conversion, retirement of capital stock, net
$700Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.77%Yield on earning assets
4.01%Cost of funding earning assets
3.76%Net interest margin
0.91%Noninterest income to earning assets
3.20%Noninterest expense to earning assets
0.80%Net operating income to assets
0.80%Return on assets (ROA)
1.14%Pretax return on assets
7.73%Return on equity (ROE)
1.11%Retained earnings to average equity (YTD only)
0.44%Net charge-offs to loans
92.16%Credit loss provision to net charge-offs
6.69%Efficiency ratio
62,226Assets per employee
2.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
85.68%Loss allowance to loans
0.78%Loss allowance to noncurrent loans
81.05%Noncurrent assets plus other real estate owned to assets
0.45%Noncurrent loans to loans
0.96%Net loans and leases to deposits
51.89%Net loans and leases to core deposits
62.59%Equity capital to assets
10.44%Core capital (leverage) ratio
7.24%Tier 1 risk-based capital ratio
13.12%Total risk-based capital ratio
Memoranda
$14Average assets
$102,396Average earning assets
$10,568Average equity
$93,037Average loans
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