First International Bank in Plano, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 30, 2011

  • First International Bank in Plano, Texas (TX)
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First International Bank - Overview

  • General
  • FDIC Certificate #: 33513
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: American First National Bank (#34656)
    Federal Reserve ID: 1899902
    Date Established: October 24, 1991
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 11993
    FDIC's unique #: 47285
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 24, 1991
    Last Structure Change Effective Date: September 30, 2011
    Last Structure Change Process Date: October 03, 2011
    Last Data Update: October 03, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1912 Avenue K, Plano, TX 75074
    County: Collin
    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: $239.9 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, 2010)

  • Dollar figures in thousands
  • 89Total employees (full-time equivalent)
  • $343,408Total assets
  • $62,871Cash and due from depository institutions
  • $54,355Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $241,970Net loans & leases
  • $14,159Loan loss allowance
  • $0Trading account assets
  • $14,479Bank premises and fixed assets
  • $12,727Other real estate owned
  • $0Goodwill and other intangibles
  • $6,178Life insurance assets
  • $11,361All other assets
  • $343,408Total liabilities and capital
  • $333,361Total liabilities
  • $292,489Total deposits
  • $259,699Interest-bearing deposits
  • $292,489Deposits held in domestic offices
  • 97.97%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $37,285Other borrowed funds
  • $0Subordinated debt
  • $3,587All other liabilities
  • $10,047Total equity capital
  • $10,047Total bank equity capital
  • $10,047Perpetual preferred stock
  • $0Common stock
  • $750Surplus
  • $33,610Undivided profits
  • Memoranda
  • $-24,313Noncurrent loans and leases
  • $17,466Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $42,638Earning assets
  • $993Long-term assets (5+ years)
  • $413Average Assets, year-to-date
  • $296,325Average Assets, quarterly
  • $14,743Volatile liabilities
  • $386,461Insider loans
  • $356,096FHLB advances
  • $72,395Loans and leases held for sale
  • $6,641Unused loan commitments
  • $37,285Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $17,466Total unused commitments
  • $7,877Restructured Loans and leases
  • $3,532Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $16,178Total interest income
  • $4,662Total interest expense
  • $11,516Net interest income
  • $23,071Provision for loan and lease losses
  • -$155Total noninterest income
  • $0Fiduciary activities
  • $1,254Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,409Additional noninterest income
  • $13,994Total noninterest expense
  • $5,912Salaries and employee benefits
  • $2,059Premises and equipment expense
  • $6,023Additional noninterest expense
  • -$25,704Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$25,704Income before extraordinary items
  • $0Extraordinary gains - net
  • -$25,704Net income attributable to bank
  • $0Net charge-offs
  • -$25,704Cash dividends
  • $13,496Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 3.42%Net interest margin
  • -0.05%Noninterest income to earning assets
  • 4.15%Noninterest expense to earning assets
  • -6.65%Net operating income to assets
  • -6.65%Return on assets (ROA)
  • -6.65%Pretax return on assets
  • -105.64%Return on equity (ROE)
  • -105.64%Retained earnings to average equity (YTD only)
  • 4.56%Net charge-offs to loans
  • 170.95%Credit loss provision to net charge-offs
  • -0.20%Efficiency ratio
  • 123,176Assets per employee
  • 3.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.53%Loss allowance to noncurrent loans
  • 33.21%Noncurrent assets plus other real estate owned to assets
  • 16.12%Noncurrent loans to loans
  • 16.65%Net loans and leases to deposits
  • 82.73%Net loans and leases to core deposits
  • 98.73%Equity capital to assets
  • 2.93%Core capital (leverage) ratio
  • 2.75%Tier 1 risk-based capital ratio
  • 3.70%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $386,461Average earning assets
  • $24,332Average equity
  • $336,916Average loans

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