The Leonard National Bank in Leonard, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1994

The Leonard National Bank in Leonard, Texas (TX)
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The Leonard National Bank - Overview

General
FDIC Certificate #: 3298
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: American Bank of Texas (#20473)
Federal Reserve ID: 1003259
Date Established: January 01, 1912
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 2135
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: December 31, 1994
Last Structure Change Process Date: January 04, 1995
Last Data Update: January 04, 1995
Data Source Date: April 05, 2012
Location
Address: Collins Street, Leonard, TX 75452
County: Fannin
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): Bonham, TX (#14300)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $14.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$10Total assets
$13,313Cash and due from depository institutions
$470Interest-bearing balances
$0Securities
$3,648Federal funds sold & reverse repurchase agreements
$1,825Net loans & leases
$6,774Loan loss allowance
$171Trading account assets
$0Bank premises and fixed assets
$194Other real estate owned
$303Goodwill and other intangibles
$99Life insurance assets
$0All other assets
$0Total liabilities and capital
$13,313Total liabilities
$12,516Total deposits
$12,440Interest-bearing deposits
$10,493Deposits held in domestic offices
12440.00%% insured (estimated)
$78Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$76Total equity capital
$76Total bank equity capital
$797Perpetual preferred stock
$0Common stock
$100Surplus
$929Undivided profits
Memoranda
$-232Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$108Income earned, not collected on loans
$46Earning assets
$12,247Long-term assets (5+ years)
$1,516Average Assets, year-to-date
$13,180Average Assets, quarterly
$13,468Volatile liabilities
$2,425Insider loans
$296FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$173Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$797Total risk weighted assets
$6,233Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$930Total interest expense
$314Net interest income
$616Provision for loan and lease losses
-$30Total noninterest income
$132Fiduciary activities
$0Service charges on deposit accounts
$69Trading account gains & fees
$0Additional noninterest income
$63Total noninterest expense
$682Salaries and employee benefits
$264Premises and equipment expense
$78Additional noninterest expense
$340Pre-tax net operating income
$96Securities gains (losses)
$0Applicable income taxes
$0Income before extraordinary items
$96Extraordinary gains - net
$0Net income attributable to bank
$96Net charge-offs
$74Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.68%Cost of funding earning assets
2.59%Net interest margin
5.09%Noninterest income to earning assets
1.09%Noninterest expense to earning assets
5.63%Net operating income to assets
0.73%Return on assets (ROA)
0.73%Pretax return on assets
0.73%Return on equity (ROE)
13.61%Retained earnings to average equity (YTD only)
13.61%Net charge-offs to loans
1.02%Credit loss provision to net charge-offs
-40.54%Efficiency ratio
91,176Assets per employee
1.33%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.46%Loss allowance to noncurrent loans
158.33%Noncurrent assets plus other real estate owned to assets
3.09%Noncurrent loans to loans
1.56%Net loans and leases to deposits
54.45%Net loans and leases to core deposits
67.64%Equity capital to assets
5.99%Core capital (leverage) ratio
5.93%Tier 1 risk-based capital ratio
12.79%Total risk-based capital ratio
Memoranda
$14Average assets
$13,180Average earning assets
$706Average equity
$12,105Average loans

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