Cleburne State Bank in Cleburne, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 06, 1999

  • Cleburne State Bank in Cleburne, Texas (TX)
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Cleburne State Bank - Overview

  • General
  • FDIC Certificate #: 23067
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Financial Bank, National Association (#3141)
    Federal Reserve ID: 863858
    Date Established: March 10, 1980
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 16156
    Numeric code: 13
    Regulator: FED
    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: March 10, 1980
    Last Structure Change Effective Date: March 06, 1999
    Last Structure Change Process Date: March 23, 1999
    Last Data Update: March 23, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 North Ridgeway Drive, Cleburne, TX 76031
    County: Johnson
    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
    Metropolitan Statistical Area (MSA): Fort Worth-Arlington, TX (#2800)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Fort Worth-Arlington, TX (#23104)
  • Financial Summary
  • Total assets: $91.7 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
  • 42Total employees (full-time equivalent)
  • $91,678Total assets
  • $4,843Cash and due from depository institutions
  • $0Interest-bearing balances
  • $41,646Securities
  • $10,655Federal funds sold & reverse repurchase agreements
  • $31,183Net loans & leases
  • $328Loan loss allowance
  • $0Trading account assets
  • $2,333Bank premises and fixed assets
  • $0Other real estate owned
  • $304Goodwill and other intangibles
  • $0Life insurance assets
  • $714All other assets
  • $91,678Total liabilities and capital
  • $83,561Total liabilities
  • $83,256Total deposits
  • $69,249Interest-bearing deposits
  • $83,256Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $305All other liabilities
  • $8,117Total equity capital
  • $8,117Total bank equity capital
  • $8,117Perpetual preferred stock
  • $730Common stock
  • $783Surplus
  • $3,231Undivided profits
  • Memoranda
  • $3,373Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $162Earning assets
  • $0Long-term assets (5+ years)
  • $169Average Assets, year-to-date
  • $83,484Average Assets, quarterly
  • $25,693Volatile liabilities
  • $85,856Insider loans
  • $87,206FHLB advances
  • $6,783Loans and leases held for sale
  • $1,010Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,151Total unused commitments
  • $0Restructured Loans and leases
  • $39,623Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $5,898Total interest income
  • $2,316Total interest expense
  • $3,582Net interest income
  • $50Provision for loan and lease losses
  • $1,004Total noninterest income
  • $0Fiduciary activities
  • $741Service charges on deposit accounts
  • $0Trading account gains & fees
  • $263Additional noninterest income
  • $2,930Total noninterest expense
  • $1,446Salaries and employee benefits
  • $422Premises and equipment expense
  • $1,062Additional noninterest expense
  • $1,606Pre-tax net operating income
  • $38Securities gains (losses)
  • $560Applicable income taxes
  • $1,084Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,084Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $66Sale, conversion, retirement of capital stock, net
  • $319Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.57%Yield on earning assets
  • 2.97%Cost of funding earning assets
  • 4.60%Net interest margin
  • 1.29%Noninterest income to earning assets
  • 3.76%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.91%Pretax return on assets
  • 14.03%Return on equity (ROE)
  • 9.90%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 75.76%Credit loss provision to net charge-offs
  • 25.09%Efficiency ratio
  • 62,887Assets per employee
  • 2.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.43%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 202.47%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.51%Net loans and leases to deposits
  • 37.45%Net loans and leases to core deposits
  • 40.78%Equity capital to assets
  • 8.85%Core capital (leverage) ratio
  • 9.01%Tier 1 risk-based capital ratio
  • 19.51%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $85,856Average earning assets
  • $7,724Average equity
  • $77,941Average loans

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