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

This bank is inactive as of December 31, 1998

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

  • General
  • FDIC Certificate #: 23068
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The City National Bank of Sulphur Springs (#5544)
    Federal Reserve ID: 534961
    Date Established: January 28, 1980
    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 #: 16157
    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: January 28, 1980
    Last Structure Change Effective Date: December 31, 1998
    Last Structure Change Process Date: Febuary 04, 1999
    Last Data Update: Febuary 04, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 1133 Mockingbird Lane, Sulphur Springs, TX 75482
    County: Hopkins
    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
    Core Based Statistical Area (CBSA): Sulphur Springs, TX (#44860)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $23.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 15Total employees (full-time equivalent)
  • $25,631Total assets
  • $1,697Cash and due from depository institutions
  • $0Interest-bearing balances
  • $2,744Securities
  • $1,315Federal funds sold & reverse repurchase agreements
  • $18,586Net loans & leases
  • $490Loan loss allowance
  • $0Trading account assets
  • $469Bank premises and fixed assets
  • $504Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $316All other assets
  • $25,631Total liabilities and capital
  • $24,174Total liabilities
  • $24,087Total deposits
  • $18,870Interest-bearing deposits
  • $24,087Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $87All other liabilities
  • $1,457Total equity capital
  • $1,457Total bank equity capital
  • $1,457Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,139Undivided profits
  • Memoranda
  • $-682Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,133Earning assets
  • $1,569Long-term assets (5+ years)
  • $277Average Assets, year-to-date
  • $22,645Average Assets, quarterly
  • $2,438Volatile liabilities
  • $28,383Insider loans
  • $26,326FHLB advances
  • $2,124Loans and leases held for sale
  • $426Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,388Total unused commitments
  • $0Restructured Loans and leases
  • $20,014Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $2,081Total interest income
  • $945Total interest expense
  • $1,136Net interest income
  • $798Provision for loan and lease losses
  • $547Total noninterest income
  • $0Fiduciary activities
  • $434Service charges on deposit accounts
  • $0Trading account gains & fees
  • $113Additional noninterest income
  • $1,534Total noninterest expense
  • $627Salaries and employee benefits
  • $186Premises and equipment expense
  • $721Additional noninterest expense
  • -$649Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$649Income before extraordinary items
  • $0Extraordinary gains - net
  • -$649Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $880Sale, conversion, retirement of capital stock, net
  • $29Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.40%Yield on earning assets
  • 3.81%Cost of funding earning assets
  • 4.58%Net interest margin
  • 2.21%Noninterest income to earning assets
  • 6.19%Noninterest expense to earning assets
  • -2.29%Net operating income to assets
  • -2.29%Return on assets (ROA)
  • -2.29%Pretax return on assets
  • -36.29%Return on equity (ROE)
  • -37.91%Retained earnings to average equity (YTD only)
  • 4.42%Net charge-offs to loans
  • 90.68%Credit loss provision to net charge-offs
  • 0.17%Efficiency ratio
  • 91,147Assets per employee
  • 1.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -4.47%Loss allowance to loans
  • 2.57%Loss allowance to noncurrent loans
  • 15.64%Noncurrent assets plus other real estate owned to assets
  • 14.19%Noncurrent loans to loans
  • 16.42%Net loans and leases to deposits
  • 77.16%Net loans and leases to core deposits
  • 84.62%Equity capital to assets
  • 5.68%Core capital (leverage) ratio
  • 5.41%Tier 1 risk-based capital ratio
  • 7.29%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $28,383Average earning assets
  • $1,789Average equity
  • $24,787Average loans

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