FDIC Certificate #: 18830 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:InterBank (#27210) Federal Reserve ID: 225250 Date Established: July 19, 1963 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 #: 12686 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: July 19, 1963 Last Structure Change Effective Date: December 31, 2010 Last Structure Change Process Date: January 04, 2011 Last Data Update: January 04, 2011 Data Source Date: April 05, 2012
Location
Address: 301 West Walker Street, Breckenridge, TX 76424 County: Stephens 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
Financial Summary
Total assets: $93.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
19Total employees (full-time equivalent)
$88,324Total assets
$8,587Cash and due from depository institutions
$7,572Interest-bearing balances
$280Securities
$0Federal funds sold & reverse repurchase agreements
$74,156Net loans & leases
$813Loan loss allowance
$0Trading account assets
$1,763Bank premises and fixed assets
$1,532Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,006All other assets
$88,324Total liabilities and capital
$78,999Total liabilities
$78,755Total deposits
$67,974Interest-bearing deposits
$78,755Deposits held in domestic offices
82.82%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$244All other liabilities
$9,325Total equity capital
$9,325Total bank equity capital
$9,325Perpetual preferred stock
$0Common stock
$317Surplus
$5,102Undivided profits
Memoranda
$3,906Noncurrent loans and leases
$34,939Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$405Earning assets
$0Long-term assets (5+ years)
$863Average Assets, year-to-date
$82,008Average Assets, quarterly
$6,876Volatile liabilities
$91,722Insider loans
$90,294FHLB advances
$15,097Loans and leases held for sale
$3,927Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$34,939Total unused commitments
$0Restructured Loans and leases
$813Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$4,620Total interest income
$851Total interest expense
$3,769Net interest income
$278Provision for loan and lease losses
$417Total noninterest income
$0Fiduciary activities
$281Service charges on deposit accounts
$0Trading account gains & fees
$136Additional noninterest income
$1,793Total noninterest expense
$755Salaries and employee benefits
$153Premises and equipment expense
$885Additional noninterest expense
$2,115Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$2,115Income before extraordinary items
$0Extraordinary gains - net
$2,115Net income attributable to bank
$0Net charge-offs
$2,115Cash dividends
$387Sale, conversion, retirement of capital stock, net
$2,550Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.37%Yield on earning assets
0.99%Cost of funding earning assets
4.38%Net interest margin
0.48%Noninterest income to earning assets
2.09%Noninterest expense to earning assets
2.31%Net operating income to assets
2.31%Return on assets (ROA)
2.31%Pretax return on assets
21.73%Return on equity (ROE)
-4.47%Retained earnings to average equity (YTD only)
0.48%Net charge-offs to loans
71.83%Credit loss provision to net charge-offs
6.18%Efficiency ratio
42,833Assets per employee
4.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
120.57%Loss allowance to loans
1.08%Loss allowance to noncurrent loans
200.74%Noncurrent assets plus other real estate owned to assets
2.19%Noncurrent loans to loans
0.54%Net loans and leases to deposits
94.16%Net loans and leases to core deposits
116.49%Equity capital to assets
10.56%Core capital (leverage) ratio
10.14%Tier 1 risk-based capital ratio
11.68%Total risk-based capital ratio
Memoranda
$13Average assets
$91,722Average earning assets
$9,731Average equity
$85,980Average loans
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