FDIC Certificate #: 17758 Status: Inactive Closing history: Change in Location Acquiring institution:United National Bank (#24526) Federal Reserve ID: 449458 Date Established: March 24, 1909 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 16049 FDIC's unique #: 11712 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: May 08, 1957 Last Structure Change Effective Date: Febuary 08, 2002 Last Structure Change Process Date: May 20, 2002 Last Data Update: May 20, 2002 Data Source Date: April 05, 2012
Location
Address: 205 East South Main Street, Suite 100 (Temp Loc), Flatonia, TX 78941 County: Fayette 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
History of Changes
Merger - Without Assistance
Change in Location
Financial Summary
Total assets: $152.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
67Total employees (full-time equivalent)
$152,825Total assets
$8,168Cash and due from depository institutions
$0Interest-bearing balances
$25,864Securities
$26,200Federal funds sold & reverse repurchase agreements
$82,775Net loans & leases
$637Loan loss allowance
$0Trading account assets
$4,449Bank premises and fixed assets
$38Other real estate owned
$515Goodwill and other intangibles
$0Life insurance assets
$4,816All other assets
$152,825Total liabilities and capital
$143,461Total liabilities
$142,281Total deposits
$114,987Interest-bearing deposits
$142,281Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$250Other borrowed funds
$0Subordinated debt
$930All other liabilities
$9,364Total equity capital
$9,364Total bank equity capital
$9,364Perpetual preferred stock
$0Common stock
$450Surplus
$5,493Undivided profits
Memoranda
$3,421Noncurrent loans and leases
$7,236Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$272Earning assets
$0Long-term assets (5+ years)
$978Average Assets, year-to-date
$134,839Average Assets, quarterly
$30,543Volatile liabilities
$141,859Insider loans
$148,216FHLB advances
$12,033Loans and leases held for sale
$1,086Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,236Total unused commitments
$0Restructured Loans and leases
$637Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$9,207Total interest income
$3,809Total interest expense
$5,398Net interest income
$240Provision for loan and lease losses
$2,363Total noninterest income
$0Fiduciary activities
$1,759Service charges on deposit accounts
$0Trading account gains & fees
$604Additional noninterest income
$5,354Total noninterest expense
$3,024Salaries and employee benefits
$779Premises and equipment expense
$1,551Additional noninterest expense
$2,167Pre-tax net operating income
$126Securities gains (losses)
$545Applicable income taxes
$1,748Income before extraordinary items
$0Extraordinary gains - net
$1,748Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$142Sale, conversion, retirement of capital stock, net
$1,000Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.30%Yield on earning assets
3.02%Cost of funding earning assets
4.28%Net interest margin
1.87%Noninterest income to earning assets
4.25%Noninterest expense to earning assets
1.16%Net operating income to assets
1.23%Return on assets (ROA)
1.62%Pretax return on assets
19.13%Return on equity (ROE)
8.19%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
169.01%Credit loss provision to net charge-offs
16.95%Efficiency ratio
68,161Assets per employee
2.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.21%Loss allowance to loans
0.76%Loss allowance to noncurrent loans
234.19%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.33%Net loans and leases to deposits
58.18%Net loans and leases to core deposits
63.55%Equity capital to assets
6.13%Core capital (leverage) ratio
5.97%Tier 1 risk-based capital ratio
10.03%Total risk-based capital ratio
Memoranda
$11Average assets
$141,859Average earning assets
$9,137Average equity
$126,042Average loans
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