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)
  • Show street view No street view available for this location

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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Central Texas Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents