FDIC Certificate #: 57168 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:GNB Financial, National Association (#3208) Federal Reserve ID: 3022281 Date Established: July 16, 2001 WWW:http://www.fbttx.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 358995 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: July 16, 2001 Last Structure Change Effective Date: July 01, 2003 Last Structure Change Process Date: October 31, 2003 Last Data Update: October 31, 2003 Data Source Date: April 05, 2012
Location
Address: 2200 West Ennis Avenue, Ennis, TX 75119 County: Ellis 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): Dallas, TX (#1920) 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: Dallas-Plano-Irving, TX (#19124)
Financial Summary
Total assets: $42.1 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2002)
Dollar figures in thousands
14Total employees (full-time equivalent)
$37,457Total assets
$2,351Cash and due from depository institutions
$21Interest-bearing balances
$0Securities
$4,015Federal funds sold & reverse repurchase agreements
$29,791Net loans & leases
$300Loan loss allowance
$0Trading account assets
$582Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$718All other assets
$37,457Total liabilities and capital
$32,737Total liabilities
$28,468Total deposits
$22,536Interest-bearing deposits
$28,468Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,117Other borrowed funds
$0Subordinated debt
$152All other liabilities
$4,720Total equity capital
$4,720Total bank equity capital
$4,720Perpetual preferred stock
$0Common stock
$100Surplus
$4,900Undivided profits
Memoranda
$-280Noncurrent loans and leases
$3,105Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$147Earning assets
$0Long-term assets (5+ years)
$203Average Assets, year-to-date
$33,827Average Assets, quarterly
$815Volatile liabilities
$25,769Insider loans
$34,054FHLB advances
$10,436Loans and leases held for sale
$353Unused loan commitments
$4,117Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,105Total unused commitments
$0Restructured Loans and leases
$300Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$1,855Total interest income
$547Total interest expense
$1,308Net interest income
$187Provision for loan and lease losses
$66Total noninterest income
$0Fiduciary activities
$55Service charges on deposit accounts
$0Trading account gains & fees
$11Additional noninterest income
$1,244Total noninterest expense
$719Salaries and employee benefits
$201Premises and equipment expense
$324Additional noninterest expense
-$57Pre-tax net operating income
$0Securities gains (losses)
-$151Applicable income taxes
$94Income before extraordinary items
$0Extraordinary gains - net
$94Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$22Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.89%Yield on earning assets
2.33%Cost of funding earning assets
5.57%Net interest margin
0.28%Noninterest income to earning assets
5.29%Noninterest expense to earning assets
0.36%Net operating income to assets
0.36%Return on assets (ROA)
-0.22%Pretax return on assets
2.01%Return on equity (ROE)
2.01%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
850.00%Credit loss provision to net charge-offs
5.91%Efficiency ratio
90,539Assets per employee
2.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.00%Loss allowance to noncurrent loans
204.08%Noncurrent assets plus other real estate owned to assets
0.39%Noncurrent loans to loans
0.49%Net loans and leases to deposits
104.65%Net loans and leases to core deposits
165.21%Equity capital to assets
12.60%Core capital (leverage) ratio
14.09%Tier 1 risk-based capital ratio
15.64%Total risk-based capital ratio
Memoranda
$17Average assets
$25,769Average earning assets
$4,669Average equity
$23,502Average loans
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