FDIC Certificate #: 17384 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First State Bank of Texas (#10348) Federal Reserve ID: 202868 Date Established: October 01, 1913 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 11385 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: January 01, 1955 Last Structure Change Effective Date: November 09, 2000 Last Structure Change Process Date: Febuary 13, 2001 Last Data Update: Febuary 13, 2001 Data Source Date: April 05, 2012
Location
Address: 1111 South Austin Avenue, Georgetown, TX 78626 County: Williamson Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City 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: $73.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
24Total employees (full-time equivalent)
$73,202Total assets
$6,492Cash and due from depository institutions
$3,172Interest-bearing balances
$23,955Securities
$6,210Federal funds sold & reverse repurchase agreements
$28,656Net loans & leases
$605Loan loss allowance
$0Trading account assets
$865Bank premises and fixed assets
$0Other real estate owned
$5,998Goodwill and other intangibles
$0Life insurance assets
$1,026All other assets
$73,202Total liabilities and capital
$63,073Total liabilities
$62,763Total deposits
$43,229Interest-bearing deposits
$62,763Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$310All other liabilities
$10,129Total equity capital
$10,129Total bank equity capital
$10,129Perpetual preferred stock
$0Common stock
$42Surplus
$10,749Undivided profits
Memoranda
$-662Noncurrent loans and leases
$4,600Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$907Earning assets
$0Long-term assets (5+ years)
$263Average Assets, year-to-date
$61,993Average Assets, quarterly
$17,173Volatile liabilities
$72,323Insider loans
$72,189FHLB advances
$8,853Loans and leases held for sale
$234Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,600Total unused commitments
$0Restructured Loans and leases
$438Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$4,824Total interest income
$2,012Total interest expense
$2,812Net interest income
$80Provision for loan and lease losses
$388Total noninterest income
$0Fiduciary activities
$334Service charges on deposit accounts
$0Trading account gains & fees
$54Additional noninterest income
$2,205Total noninterest expense
$971Salaries and employee benefits
$178Premises and equipment expense
$1,056Additional noninterest expense
$915Pre-tax net operating income
$0Securities gains (losses)
$463Applicable income taxes
$452Income before extraordinary items
$0Extraordinary gains - net
$452Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$2Sale, conversion, retirement of capital stock, net
$700Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.85%Yield on earning assets
3.27%Cost of funding earning assets
4.57%Net interest margin
0.63%Noninterest income to earning assets
3.59%Noninterest expense to earning assets
0.62%Net operating income to assets
0.62%Return on assets (ROA)
1.27%Pretax return on assets
4.26%Return on equity (ROE)
-2.34%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
4000.00%Credit loss provision to net charge-offs
497.50%Efficiency ratio
56,469Assets per employee
3.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
154.87%Loss allowance to loans
2.07%Loss allowance to noncurrent loans
66.70%Noncurrent assets plus other real estate owned to assets
1.33%Noncurrent loans to loans
3.10%Net loans and leases to deposits
45.66%Net loans and leases to core deposits
53.16%Equity capital to assets
13.84%Core capital (leverage) ratio
7.00%Tier 1 risk-based capital ratio
13.22%Total risk-based capital ratio
Memoranda
$14Average assets
$72,323Average earning assets
$10,609Average equity
$61,484Average loans
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