FDIC Certificate #: 22512 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Treaty Oak Bank (#11561) Federal Reserve ID: 601564 Date Established: August 22, 1977 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) OTS Docket #: 15422 FDIC's unique #: 15700 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: August 22, 1977 Last Structure Change Effective Date: May 20, 2011 Last Structure Change Process Date: June 01, 2011 Last Data Update: June 01, 2011 Data Source Date: April 05, 2012
Location
Address: 101 Westlake Dr., Suite 110, Austin, TX 78746 County: Travis 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 Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640) Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126) Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420) CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
Financial Summary
Total assets: $106.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
41Total employees (full-time equivalent)
$109,617Total assets
$28,603Cash and due from depository institutions
$26,465Interest-bearing balances
$6,208Securities
$0Federal funds sold & reverse repurchase agreements
$63,310Net loans & leases
$6,392Loan loss allowance
$0Trading account assets
$5,068Bank premises and fixed assets
$3,746Other real estate owned
$1,206Goodwill and other intangibles
$0Life insurance assets
$1,476All other assets
$109,618Total liabilities and capital
$104,565Total liabilities
$96,543Total deposits
$72,038Interest-bearing deposits
$96,543Deposits held in domestic offices
90.89%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$7,372Other borrowed funds
$0Subordinated debt
$650All other liabilities
$5,053Total equity capital
$5,053Total bank equity capital
$5,053Perpetual preferred stock
$0Common stock
$304Surplus
$18,061Undivided profits
Memoranda
$-13,312Noncurrent loans and leases
$8,358Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$8,156Earning assets
$0Long-term assets (5+ years)
$425Average Assets, year-to-date
$95,983Average Assets, quarterly
$7,930Volatile liabilities
$125,474Insider loans
$110,070FHLB advances
$18,548Loans and leases held for sale
$2,954Unused loan commitments
$5,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,358Total unused commitments
$0Restructured Loans and leases
$900Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$4,914Total interest income
$1,127Total interest expense
$3,787Net interest income
$4,521Provision for loan and lease losses
$982Total noninterest income
$0Fiduciary activities
$660Service charges on deposit accounts
$0Trading account gains & fees
$322Additional noninterest income
$6,204Total noninterest expense
$2,662Salaries and employee benefits
$945Premises and equipment expense
$2,597Additional noninterest expense
-$5,956Pre-tax net operating income
$155Securities gains (losses)
$0Applicable income taxes
-$5,801Income before extraordinary items
$0Extraordinary gains - net
-$5,801Net income attributable to bank
$0Net charge-offs
-$5,801Cash dividends
$3,520Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.43%Yield on earning assets
1.02%Cost of funding earning assets
3.41%Net interest margin
0.88%Noninterest income to earning assets
5.59%Noninterest expense to earning assets
-4.75%Net operating income to assets
-4.62%Return on assets (ROA)
-4.62%Pretax return on assets
-74.52%Return on equity (ROE)
-74.52%Retained earnings to average equity (YTD only)
3.92%Net charge-offs to loans
128.44%Credit loss provision to net charge-offs
-0.41%Efficiency ratio
129,671Assets per employee
2.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
9.17%Loss allowance to noncurrent loans
78.37%Noncurrent assets plus other real estate owned to assets
10.86%Noncurrent loans to loans
11.70%Net loans and leases to deposits
65.58%Net loans and leases to core deposits
81.17%Equity capital to assets
4.61%Core capital (leverage) ratio
3.41%Tier 1 risk-based capital ratio
5.29%Total risk-based capital ratio
Memoranda
$7Average assets
$125,474Average earning assets
$7,784Average equity
$110,985Average loans
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