FDIC Certificate #: 23213 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First State Bank of Texas (#10348) Federal Reserve ID: 425461 Date Established: September 02, 1980 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) OTS Docket #: 11992 FDIC's unique #: 16266 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: September 02, 1980 Last Structure Change Effective Date: June 22, 2000 Last Structure Change Process Date: August 02, 2000 Last Data Update: August 02, 2000 Data Source Date: April 05, 2012
Location
Address: 4800 North Navarro, Victoria, TX 77901 County: Victoria Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Victoria, TX (#8750) Core Based Statistical Area (CBSA): Victoria, TX (#47020) CBSA Metro Statistical Area: Victoria, TX (#47020)
Financial Summary
Total assets: $71.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
35Total employees (full-time equivalent)
$73,634Total assets
$2,265Cash and due from depository institutions
$0Interest-bearing balances
$22,854Securities
$0Federal funds sold & reverse repurchase agreements
$41,147Net loans & leases
$527Loan loss allowance
$0Trading account assets
$2,076Bank premises and fixed assets
$0Other real estate owned
$3,834Goodwill and other intangibles
$0Life insurance assets
$1,458All other assets
$73,634Total liabilities and capital
$64,247Total liabilities
$58,046Total deposits
$47,779Interest-bearing deposits
$58,046Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$5,486Other borrowed funds
$0Subordinated debt
$715All other liabilities
$9,387Total equity capital
$9,387Total bank equity capital
$9,387Perpetual preferred stock
$0Common stock
$1,250Surplus
$9,025Undivided profits
Memoranda
$-888Noncurrent loans and leases
$5,481Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$78Earning assets
$9Long-term assets (5+ years)
$232Average Assets, year-to-date
$64,001Average Assets, quarterly
$12,798Volatile liabilities
$76,336Insider loans
$74,695FHLB advances
$13,800Loans and leases held for sale
$140Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,481Total unused commitments
$0Restructured Loans and leases
$527Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$5,096Total interest income
$2,012Total interest expense
$3,084Net interest income
$0Provision for loan and lease losses
$722Total noninterest income
$0Fiduciary activities
$525Service charges on deposit accounts
$0Trading account gains & fees
$197Additional noninterest income
$3,597Total noninterest expense
$1,747Salaries and employee benefits
$338Premises and equipment expense
$1,512Additional noninterest expense
$209Pre-tax net operating income
-$4Securities gains (losses)
$88Applicable income taxes
$117Income before extraordinary items
$0Extraordinary gains - net
$117Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$35Sale, conversion, retirement of capital stock, net
$400Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.58%Yield on earning assets
2.99%Cost of funding earning assets
4.59%Net interest margin
1.07%Noninterest income to earning assets
5.35%Noninterest expense to earning assets
0.16%Net operating income to assets
0.15%Return on assets (ROA)
0.27%Pretax return on assets
1.18%Return on equity (ROE)
-2.84%Retained earnings to average equity (YTD only)
-0.09%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
86,626Assets per employee
2.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
341.88%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
675.64%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.19%Net loans and leases to deposits
70.89%Net loans and leases to core deposits
82.74%Equity capital to assets
12.75%Core capital (leverage) ratio
8.60%Tier 1 risk-based capital ratio
13.10%Total risk-based capital ratio
Memoranda
$14Average assets
$76,336Average earning assets
$9,951Average equity
$67,195Average loans
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