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

This bank is inactive as of July 14, 1997

The Texas National Bank of Waco in Waco, Texas (TX)
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The Texas National Bank of Waco - Overview

General
FDIC Certificate #: 5573
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Compass Bank (#27419)
Federal Reserve ID: 281760
Date Established: January 01, 1886
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 #: 3793
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: July 14, 1997
Last Structure Change Process Date: July 28, 1997
Last Data Update: July 28, 1997
Data Source Date: April 05, 2012
Location
Address: 900 Washington Avenue, Waco, TX 76703
County: Mclennan
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): Waco, TX (#8800)
Core Based Statistical Area (CBSA): Waco, TX (#47380)
CBSA Metro Statistical Area: Waco, TX (#47380)
Financial Summary
Total assets: $205.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$89Total assets
$213,354Cash and due from depository institutions
$13,478Interest-bearing balances
$0Securities
$42,535Federal funds sold & reverse repurchase agreements
$16,105Net loans & leases
$135,015Loan loss allowance
$1,247Trading account assets
$0Bank premises and fixed assets
$3,010Other real estate owned
$19Goodwill and other intangibles
$3,192Life insurance assets
$0All other assets
$0Total liabilities and capital
$213,354Total liabilities
$197,182Total deposits
$195,082Interest-bearing deposits
$141,239Deposits held in domestic offices
195082.00%% insured (estimated)
$76Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,300All other liabilities
$800Total equity capital
$800Total bank equity capital
$16,172Perpetual preferred stock
$0Common stock
$700Surplus
$1,000Undivided profits
Memoranda
$14,472Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$600Income earned, not collected on loans
$1,229Earning assets
$193,655Long-term assets (5+ years)
$10,863Average Assets, year-to-date
$207,280Average Assets, quarterly
$207,634Volatile liabilities
$22,612Insider loans
$6,444FHLB advances
$0Loans and leases held for sale
$17,294Unused loan commitments
$42,341Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$16,097Total risk weighted assets
$135,549Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$15,062Total interest expense
$6,414Net interest income
$8,648Provision for loan and lease losses
$1,213Total noninterest income
$2,473Fiduciary activities
$873Service charges on deposit accounts
$712Trading account gains & fees
$0Additional noninterest income
$888Total noninterest expense
$7,316Salaries and employee benefits
$3,533Premises and equipment expense
$794Additional noninterest expense
$2,989Pre-tax net operating income
$2,592Securities gains (losses)
$13Applicable income taxes
$820Income before extraordinary items
$1,785Extraordinary gains - net
$0Net income attributable to bank
$1,785Net charge-offs
$576Cash dividends
$660Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.93%Cost of funding earning assets
3.38%Net interest margin
4.55%Noninterest income to earning assets
1.30%Noninterest expense to earning assets
3.85%Net operating income to assets
0.86%Return on assets (ROA)
0.86%Pretax return on assets
1.26%Return on equity (ROE)
11.25%Retained earnings to average equity (YTD only)
7.09%Net charge-offs to loans
0.42%Credit loss provision to net charge-offs
210.59%Efficiency ratio
65,785Assets per employee
2.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
36.97%Loss allowance to loans
0.92%Loss allowance to noncurrent loans
207.83%Noncurrent assets plus other real estate owned to assets
0.29%Noncurrent loans to loans
0.44%Net loans and leases to deposits
69.21%Net loans and leases to core deposits
78.28%Equity capital to assets
7.58%Core capital (leverage) ratio
7.82%Tier 1 risk-based capital ratio
11.88%Total risk-based capital ratio
Memoranda
$13Average assets
$207,280Average earning assets
$15,874Average equity
$189,987Average loans

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