Caldwell National Bank in Caldwell, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 07, 1999

  • Caldwell National Bank in Caldwell, Texas (TX)
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Caldwell National Bank - Overview

  • General
  • FDIC Certificate #: 3125
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Central Bank (#17612)
    Federal Reserve ID: 58850
    Date Established: Febuary 03, 1903
    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 #: 1999
    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: January 01, 1934
    Last Structure Change Effective Date: April 07, 1999
    Last Structure Change Process Date: April 09, 1999
    Last Data Update: April 09, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 129 West Buck Street, Caldwell, TX 77836
    County: Burleson
    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
    Core Based Statistical Area (CBSA): College Station-Bryan, TX (#17780)
    CBSA Metro Statistical Area: College Station-Bryan, TX (#17780)
  • Financial Summary
  • Total assets: $57.0 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, 1998)

  • Dollar figures in thousands
  • 21Total employees (full-time equivalent)
  • $57,267Total assets
  • $1,774Cash and due from depository institutions
  • $0Interest-bearing balances
  • $21,898Securities
  • $7,350Federal funds sold & reverse repurchase agreements
  • $25,155Net loans & leases
  • $381Loan loss allowance
  • $0Trading account assets
  • $540Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $550All other assets
  • $57,267Total liabilities and capital
  • $50,703Total liabilities
  • $50,131Total deposits
  • $43,180Interest-bearing deposits
  • $50,131Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $47Other borrowed funds
  • $0Subordinated debt
  • $525All other liabilities
  • $6,564Total equity capital
  • $6,564Total bank equity capital
  • $6,564Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $200Undivided profits
  • Memoranda
  • $6,264Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $819Earning assets
  • $215Long-term assets (5+ years)
  • $261Average Assets, year-to-date
  • $54,403Average Assets, quarterly
  • $5,380Volatile liabilities
  • $56,677Insider loans
  • $56,609FHLB advances
  • $6,119Loans and leases held for sale
  • $285Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,648Total unused commitments
  • $0Restructured Loans and leases
  • $30,045Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $4,079Total interest income
  • $1,791Total interest expense
  • $2,288Net interest income
  • -$10Provision for loan and lease losses
  • $302Total noninterest income
  • $0Fiduciary activities
  • $276Service charges on deposit accounts
  • $0Trading account gains & fees
  • $26Additional noninterest income
  • $1,516Total noninterest expense
  • $886Salaries and employee benefits
  • $136Premises and equipment expense
  • $494Additional noninterest expense
  • $1,084Pre-tax net operating income
  • $0Securities gains (losses)
  • $309Applicable income taxes
  • $775Income before extraordinary items
  • $0Extraordinary gains - net
  • $775Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $124Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.57%Yield on earning assets
  • 3.32%Cost of funding earning assets
  • 4.25%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 1.37%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.91%Pretax return on assets
  • 12.51%Return on equity (ROE)
  • 12.51%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • -8.06%Credit loss provision to net charge-offs
  • 8.66%Efficiency ratio
  • 58,533Assets per employee
  • 2.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 46.52%Noncurrent assets plus other real estate owned to assets
  • 1.43%Noncurrent loans to loans
  • 3.21%Net loans and leases to deposits
  • 50.18%Net loans and leases to core deposits
  • 57.09%Equity capital to assets
  • 11.46%Core capital (leverage) ratio
  • 11.16%Tier 1 risk-based capital ratio
  • 21.46%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $56,677Average earning assets
  • $6,194Average equity
  • $53,889Average loans

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