FDIC Certificate #: 24422 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Austin Bank, Texas National Association (#3276) Federal Reserve ID: 179559 Date Established: March 21, 1983 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) OTS Docket #: 13183 FDIC's unique #: 16982 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: March 21, 1983 Last Structure Change Effective Date: November 05, 2004 Last Structure Change Process Date: January 14, 2005 Last Data Update: January 14, 2005 Data Source Date: April 05, 2012
Location
Address: 210 North Houston Street, Bullard, TX 75757 County: Smith 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): Tyler, TX (#8640) Combined Statistical Area (CSA): Tyler-Jacksonville, TX (#540) Core Based Statistical Area (CBSA): Tyler, TX (#46340) CBSA Metro Statistical Area: Tyler, TX (#46340)
Financial Summary
Total assets: $42.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
20Total employees (full-time equivalent)
$43,293Total assets
$5,309Cash and due from depository institutions
$889Interest-bearing balances
$12,888Securities
$1,600Federal funds sold & reverse repurchase agreements
$22,015Net loans & leases
$380Loan loss allowance
$0Trading account assets
$807Bank premises and fixed assets
$2Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$672All other assets
$43,293Total liabilities and capital
$39,914Total liabilities
$39,764Total deposits
$31,876Interest-bearing deposits
$39,764Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$150All other liabilities
$3,379Total equity capital
$3,379Total bank equity capital
$3,379Perpetual preferred stock
$0Common stock
$1,000Surplus
$1,915Undivided profits
Memoranda
$464Noncurrent loans and leases
$2,242Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$90Earning assets
$0Long-term assets (5+ years)
$216Average Assets, year-to-date
$37,392Average Assets, quarterly
$9,092Volatile liabilities
$40,283Insider loans
$42,012FHLB advances
$3,247Loans and leases held for sale
$423Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,242Total unused commitments
$0Restructured Loans and leases
$303Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$1,977Total interest income
$704Total interest expense
$1,273Net interest income
$0Provision for loan and lease losses
$444Total noninterest income
$0Fiduciary activities
$346Service charges on deposit accounts
$0Trading account gains & fees
$98Additional noninterest income
$1,486Total noninterest expense
$701Salaries and employee benefits
$144Premises and equipment expense
$641Additional noninterest expense
$231Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$231Income before extraordinary items
$0Extraordinary gains - net
$231Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$27Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.63%Yield on earning assets
2.00%Cost of funding earning assets
3.62%Net interest margin
1.26%Noninterest income to earning assets
4.23%Noninterest expense to earning assets
0.57%Net operating income to assets
0.57%Return on assets (ROA)
0.57%Pretax return on assets
6.99%Return on equity (ROE)
6.99%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
8.56%Efficiency ratio
86,546Assets per employee
2.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
422.22%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.40%Net loans and leases to deposits
55.36%Net loans and leases to core deposits
60.29%Equity capital to assets
7.80%Core capital (leverage) ratio
8.05%Tier 1 risk-based capital ratio
13.83%Total risk-based capital ratio
Memoranda
$15Average assets
$40,283Average earning assets
$3,304Average equity
$35,119Average loans
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