First Coleman National Bank of Coleman in Coleman, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 2010

  • First Coleman National Bank of Coleman in Coleman, Texas (TX)
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First Coleman National Bank of Coleman - Overview

  • General
  • FDIC Certificate #: 3143
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: InterBank (#27210)
    Federal Reserve ID: 889456
    Date Established: Febuary 02, 1932
    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 #: 2013
    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: January 01, 1934
    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: 100 Commercial Avenue, Coleman, TX 76834
    County: Coleman
    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: $60.3 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
  • 17Total employees (full-time equivalent)
  • $60,479Total assets
  • $3,269Cash and due from depository institutions
  • $2,986Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $54,481Net loans & leases
  • $533Loan loss allowance
  • $0Trading account assets
  • $890Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,839All other assets
  • $60,479Total liabilities and capital
  • $54,422Total liabilities
  • $54,389Total deposits
  • $37,823Interest-bearing deposits
  • $54,389Deposits held in domestic offices
  • 94.09%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $33All other liabilities
  • $6,057Total equity capital
  • $6,057Total bank equity capital
  • $6,057Perpetual preferred stock
  • $0Common stock
  • $250Surplus
  • $3,750Undivided profits
  • Memoranda
  • $2,057Noncurrent loans and leases
  • $13,735Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $494Earning assets
  • $0Long-term assets (5+ years)
  • $936Average Assets, year-to-date
  • $57,467Average Assets, quarterly
  • $11,006Volatile liabilities
  • $58,209Insider loans
  • $58,813FHLB advances
  • $12,886Loans and leases held for sale
  • $5,152Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $13,735Total unused commitments
  • $0Restructured Loans and leases
  • $533Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $3,316Total interest income
  • $453Total interest expense
  • $2,863Net interest income
  • $333Provision for loan and lease losses
  • $586Total noninterest income
  • $0Fiduciary activities
  • $479Service charges on deposit accounts
  • $0Trading account gains & fees
  • $107Additional noninterest income
  • $1,548Total noninterest expense
  • $817Salaries and employee benefits
  • $91Premises and equipment expense
  • $640Additional noninterest expense
  • $1,568Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,568Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,568Net income attributable to bank
  • $0Net charge-offs
  • $1,568Cash dividends
  • $489Sale, conversion, retirement of capital stock, net
  • $1,225Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.11%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 5.28%Net interest margin
  • 1.08%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 2.69%Net operating income to assets
  • 2.69%Return on assets (ROA)
  • 2.69%Pretax return on assets
  • 25.63%Return on equity (ROE)
  • 5.61%Retained earnings to average equity (YTD only)
  • 0.91%Net charge-offs to loans
  • 68.10%Credit loss provision to net charge-offs
  • 3.89%Efficiency ratio
  • 44,883Assets per employee
  • 3.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.13%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 107.89%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 0.90%Net loans and leases to deposits
  • 100.17%Net loans and leases to core deposits
  • 131.27%Equity capital to assets
  • 10.02%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 10.55%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $58,209Average earning assets
  • $6,118Average equity
  • $54,272Average loans

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