Central Texas Bank in Gonzales, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 16, 1999

  • Central Texas Bank in Gonzales, Texas (TX)
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Central Texas Bank - Overview

  • General
  • FDIC Certificate #: 17539
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: United Bank Texas (#17758)
    Federal Reserve ID: 523255
    Date Established: January 06, 1956
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 11514
    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 06, 1956
    Last Structure Change Effective Date: December 16, 1999
    Last Structure Change Process Date: Febuary 11, 2000
    Last Data Update: Febuary 11, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 504 St. Louis Street, Gonzales, TX 78629
    County: Gonzales
    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
  • Financial Summary
  • Total assets: $38.5 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
  • 24Total employees (full-time equivalent)
  • $35,012Total assets
  • $1,706Cash and due from depository institutions
  • $0Interest-bearing balances
  • $19,301Securities
  • $1,300Federal funds sold & reverse repurchase agreements
  • $10,500Net loans & leases
  • $279Loan loss allowance
  • $0Trading account assets
  • $1,240Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $965All other assets
  • $35,012Total liabilities and capital
  • $32,769Total liabilities
  • $32,548Total deposits
  • $24,646Interest-bearing deposits
  • $32,548Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $221All other liabilities
  • $2,243Total equity capital
  • $2,243Total bank equity capital
  • $2,243Perpetual preferred stock
  • $0Common stock
  • $537Surplus
  • $1,123Undivided profits
  • Memoranda
  • $583Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $108Average Assets, year-to-date
  • $31,101Average Assets, quarterly
  • $5,850Volatile liabilities
  • $32,722Insider loans
  • $34,320FHLB advances
  • $2,695Loans and leases held for sale
  • $403Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,820Total unused commitments
  • $0Restructured Loans and leases
  • $15,742Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $2,157Total interest income
  • $777Total interest expense
  • $1,380Net interest income
  • $7Provision for loan and lease losses
  • $406Total noninterest income
  • $0Fiduciary activities
  • $357Service charges on deposit accounts
  • $0Trading account gains & fees
  • $49Additional noninterest income
  • $1,567Total noninterest expense
  • $761Salaries and employee benefits
  • $228Premises and equipment expense
  • $578Additional noninterest expense
  • $212Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $213Income before extraordinary items
  • $0Extraordinary gains - net
  • $213Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$9Sale, conversion, retirement of capital stock, net
  • $1,400Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.35%Yield on earning assets
  • 2.65%Cost of funding earning assets
  • 4.70%Net interest margin
  • 1.38%Noninterest income to earning assets
  • 5.34%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 6.77%Return on equity (ROE)
  • -37.71%Retained earnings to average equity (YTD only)
  • -0.09%Net charge-offs to loans
  • -77.78%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 87,738Assets per employee
  • 1.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 657.28%Loss allowance to loans
  • 2.59%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 32.26%Net loans and leases to core deposits
  • 35.17%Equity capital to assets
  • 6.41%Core capital (leverage) ratio
  • 6.22%Tier 1 risk-based capital ratio
  • 13.61%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $32,722Average earning assets
  • $3,147Average equity
  • $29,366Average loans

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