Bank One, Texas, National Association in Dallas, Texas (TX)

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Bank One, Texas, National Association
GeneralFDIC Certificate #: 27474
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Bank One, National Association (#3618)
Federal Reserve ID: 1371239
Date Established: March 29, 1989
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 209 (Interstate: No)
FDIC's unique #: 40091
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: March 29, 1989
Last Structure Change Effective Date: Febuary 08, 2001
Last Structure Change Process Date: Febuary 26, 2001
Last Data Update: Febuary 26, 2001
Data Source Date: April 05, 2012
LocationAddress: 1717 Main Street, Dallas, TX 75265
County: Dallas
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Chicago
FDIC Field Office: Dallas
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
Financial SummaryTotal assets: $31,498.9 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, 2000)
(Dollar figures in thousands)
Total employees (full-time equivalent)4,126
Total assets$31,498,941
Cash and due from depository institutions$5,736,769
Interest-bearing balances$3,252,904
Federal funds sold & reverse repurchase agreements$233,025
Net loans & leases$23,045,802
Loan loss allowance $550,409
Trading account assets$3,057
Bank premises and fixed assets$134,937
Other real estate owned$1,877
Goodwill and other intangibles$51,478
All other assets$958,716
Life insurance assets$0
Total liabilities and capital$31,498,941
Total liabilities$29,729,839
Total deposits$20,345,649
Interest-bearing deposits$14,374,402
Deposits held in domestic offices$19,643,050
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $7,360,000
Trading liabilities$7,522
Other borrowed funds $428,455
Subordinated debt $866,346
All other liabilities $721,867
Total equity capital$1,769,102
Total bank equity capital$1,769,102
Perpetual preferred stock$1,769,102
Common stock$0
Undivided profits $1,050,136
Noncurrent loans and leases $494,966
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $6,269,335
Income earned, not collected on loans $0
Earning assets $179,536
Long-term assets (5+ years) $1,595
Average Assets, year-to-date $155,170
Average Assets, quarterly $27,865,011
Volatile liabilities $5,744,299
Insider loans $31,078,947
FHLB advances $31,409,433
Loans and leases held for sale $9,936,836
Unused loan commitments $25,980
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,373,859
Total risk weighted assets $0
Total unused commitments $6,269,335
Restructured Loans and leases $0
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Income and Expense (December 31, 2000)
(Dollar figures in thousands)
Total interest income $2,249,803
Total interest expense $1,110,412
Net interest income $1,139,391
Provision for loan and lease losses $563,882
Total noninterest income $338,628
Fiduciary activities $40,592
Service charges on deposit accounts $200,646
Trading account gains & fees $2,046
Additional noninterest income $95,344
Total noninterest expense $746,018
Salaries and employee benefits $204,684
Premises and equipment expense $90,443
Additional noninterest expense $450,891
Pre-tax net operating income $168,119
Securities gains (losses) -$21,024
Applicable income taxes $5,292
Income before extraordinary items $141,803
Extraordinary gains - net $0
Net income attributable to bank $141,803
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $173,336
Net operating income $360,000
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Performance and Condition Ratios (December 31, 2000)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets8.12%
Cost of funding earning assets 4.01%
Net interest margin 4.11%
Noninterest income to earning assets 1.22%
Noninterest expense to earning assets 2.69%
Net operating income to assets 0.52%
Return on assets (ROA) 0.46%
Pretax return on assets 0.47%
Return on equity (ROE) 7.26%
Retained earnings to average equity (YTD only) -11.16%
Net charge-offs to loans 0.75%
Credit loss provision to net charge-offs 325.31%
Efficiency ratio4.22%
Assets per employee$50,222
Cash dividends to net income (YTD only)7.63%
Condition Ratios (%)
Loss allowance to loans 253.87%
Loss allowance to noncurrent loans 2.33%
Noncurrent assets plus other real estate owned to assets 306.57%
Noncurrent loans to loans 0.58%
Net loans and leases to deposits0.76%
Net loans and leases to core deposits 113.27%
Equity capital to assets 126.65%
Core capital (leverage) ratio 5.62%
Tier 1 risk-based capital ratio 5.63%
Total risk-based capital ratio 6.31%
Average assets$11
Average earning assets$31,078,947
Average equity $1,954,492
Average loans $27,712,324
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