Bank of Athens, National Association in Athens, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 30, 1994

  • Bank of Athens, National Association in Athens, Texas (TX)
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Bank of Athens, National Association - Overview

  • General
  • FDIC Certificate #: 24354
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First State Bank (#15206)
    Federal Reserve ID: 141659
    Date Established: Febuary 07, 1983
    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 #: 16947
    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: Febuary 07, 1983
    Last Structure Change Effective Date: July 30, 1994
    Last Structure Change Process Date: October 31, 1994
    Last Data Update: October 31, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 1114 East Tyler Street, Athens, TX 75751
    County: Henderson
    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): 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): Athens, TX (#11980)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $28.9 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $17Total assets
  • $30,619Cash and due from depository institutions
  • $833Interest-bearing balances
  • $0Securities
  • $7,353Federal funds sold & reverse repurchase agreements
  • $9,540Net loans & leases
  • $11,981Loan loss allowance
  • $350Trading account assets
  • $0Bank premises and fixed assets
  • $662Other real estate owned
  • $105Goodwill and other intangibles
  • $145Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $30,619Total liabilities
  • $27,849Total deposits
  • $27,703Interest-bearing deposits
  • $21,103Deposits held in domestic offices
  • 27703.00%% insured (estimated)
  • $81Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $146Total equity capital
  • $146Total bank equity capital
  • $2,770Perpetual preferred stock
  • $0Common stock
  • $750Surplus
  • $1,293Undivided profits
  • Memoranda
  • $727Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $113Income earned, not collected on loans
  • $60Earning assets
  • $28,874Long-term assets (5+ years)
  • $212Average Assets, year-to-date
  • $29,868Average Assets, quarterly
  • $30,513Volatile liabilities
  • $6,117Insider loans
  • $2,128FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,089Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,770Total risk weighted assets
  • $14,153Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,767Total interest expense
  • $713Net interest income
  • $1,054Provision for loan and lease losses
  • $0Total noninterest income
  • $239Fiduciary activities
  • $0Service charges on deposit accounts
  • $158Trading account gains & fees
  • $0Additional noninterest income
  • $81Total noninterest expense
  • $902Salaries and employee benefits
  • $430Premises and equipment expense
  • $85Additional noninterest expense
  • $387Pre-tax net operating income
  • $391Securities gains (losses)
  • $0Applicable income taxes
  • $118Income before extraordinary items
  • $273Extraordinary gains - net
  • $0Net income attributable to bank
  • $273Net charge-offs
  • -$36Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.39%Cost of funding earning assets
  • 2.58%Net interest margin
  • 3.81%Noninterest income to earning assets
  • 0.86%Noninterest expense to earning assets
  • 3.26%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 1.31%Return on equity (ROE)
  • 10.39%Retained earnings to average equity (YTD only)
  • 10.39%Net charge-offs to loans
  • -0.28%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 69,760Assets per employee
  • 1.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.84%Loss allowance to noncurrent loans
  • 309.73%Noncurrent assets plus other real estate owned to assets
  • 0.71%Noncurrent loans to loans
  • 0.92%Net loans and leases to deposits
  • 43.25%Net loans and leases to core deposits
  • 55.50%Equity capital to assets
  • 9.05%Core capital (leverage) ratio
  • 8.94%Tier 1 risk-based capital ratio
  • 19.57%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $29,868Average earning assets
  • $2,627Average equity
  • $27,646Average loans

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