Bonham State Bank in Bonham, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 10, 2007

  • Bonham State Bank in Bonham, Texas (TX)
  • Show street view No street view available for this location

Bonham State Bank - Overview

  • General
  • FDIC Certificate #: 9021
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Legend Bank, N.A. (#3108)
    Federal Reserve ID: 98557
    Date Established: January 01, 1931
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 14272
    FDIC's unique #: 5762
    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: January 01, 1934
    Last Structure Change Effective Date: November 10, 2007
    Last Structure Change Process Date: November 26, 2007
    Last Data Update: November 26, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 502 North Center Street, Bonham, TX 75418
    County: Fannin
    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
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Bonham, TX (#14300)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $89.4 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, 2006)

  • Dollar figures in thousands
  • 31Total employees (full-time equivalent)
  • $95,722Total assets
  • $7,135Cash and due from depository institutions
  • $1,992Interest-bearing balances
  • $40,076Securities
  • $3,180Federal funds sold & reverse repurchase agreements
  • $40,594Net loans & leases
  • $498Loan loss allowance
  • $0Trading account assets
  • $901Bank premises and fixed assets
  • $190Other real estate owned
  • $0Goodwill and other intangibles
  • $2,132Life insurance assets
  • $3,646All other assets
  • $95,722Total liabilities and capital
  • $86,367Total liabilities
  • $85,225Total deposits
  • $66,589Interest-bearing deposits
  • $85,225Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,142All other liabilities
  • $9,355Total equity capital
  • $9,355Total bank equity capital
  • $9,355Perpetual preferred stock
  • $0Common stock
  • $890Surplus
  • $2,710Undivided profits
  • Memoranda
  • $5,755Noncurrent loans and leases
  • $3,952Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $179Earning assets
  • $0Long-term assets (5+ years)
  • $666Average Assets, year-to-date
  • $85,842Average Assets, quarterly
  • $20,639Volatile liabilities
  • $96,109Insider loans
  • $94,902FHLB advances
  • $11,822Loans and leases held for sale
  • $1,904Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,952Total unused commitments
  • $0Restructured Loans and leases
  • $498Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $4,988Total interest income
  • $2,030Total interest expense
  • $2,958Net interest income
  • $60Provision for loan and lease losses
  • $815Total noninterest income
  • $0Fiduciary activities
  • $520Service charges on deposit accounts
  • $0Trading account gains & fees
  • $295Additional noninterest income
  • $2,632Total noninterest expense
  • $1,451Salaries and employee benefits
  • $415Premises and equipment expense
  • $766Additional noninterest expense
  • $1,081Pre-tax net operating income
  • -$1Securities gains (losses)
  • $202Applicable income taxes
  • $878Income before extraordinary items
  • $0Extraordinary gains - net
  • $878Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $712Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.71%Yield on earning assets
  • 2.33%Cost of funding earning assets
  • 3.39%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 9.37%Return on equity (ROE)
  • 1.77%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 461.54%Credit loss provision to net charge-offs
  • 87.77%Efficiency ratio
  • 69,759Assets per employee
  • 3.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 81.09%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 278.21%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 47.63%Net loans and leases to core deposits
  • 55.30%Equity capital to assets
  • 9.77%Core capital (leverage) ratio
  • 10.10%Tier 1 risk-based capital ratio
  • 20.48%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $96,109Average earning assets
  • $9,374Average equity
  • $87,287Average loans

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