FDIC Certificate #: 15374 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Capital One, National Association (#4297) Federal Reserve ID: 325758 Date Established: January 14, 1935 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 10 (Interstate: No) FDIC's unique #: 9699 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes Oakar Institutions: Yes State Chartered: Yes Date of Deposit Insurance: April 07, 1936 Last Structure Change Effective Date: March 08, 1999 Last Structure Change Process Date: March 23, 1999 Last Data Update: March 23, 1999 Data Source Date: April 05, 2012
Location
Address: 400 South Alamo Street, Marshall, TX 75670 County: Harrison 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): Longview-Marshall, TX (#4420) Combined Statistical Area (CSA): Longview-Marshall, TX (#346) Core Based Statistical Area (CBSA): Marshall, TX (#32220) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $319.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
150Total employees (full-time equivalent)
$319,060Total assets
$15,553Cash and due from depository institutions
$4,252Interest-bearing balances
$85,390Securities
$23,580Federal funds sold & reverse repurchase agreements
$180,650Net loans & leases
$2,371Loan loss allowance
$0Trading account assets
$6,745Bank premises and fixed assets
$1,144Other real estate owned
$2,385Goodwill and other intangibles
$0Life insurance assets
$3,613All other assets
$319,060Total liabilities and capital
$292,084Total liabilities
$289,593Total deposits
$250,026Interest-bearing deposits
$289,593Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$2,491All other liabilities
$26,976Total equity capital
$26,976Total bank equity capital
$26,976Perpetual preferred stock
$0Common stock
$2,071Surplus
$18,610Undivided profits
Memoranda
$6,295Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$795Earning assets
$0Long-term assets (5+ years)
$1,415Average Assets, year-to-date
$293,872Average Assets, quarterly
$43,588Volatile liabilities
$320,009Insider loans
$318,852FHLB advances
$36,649Loans and leases held for sale
$7,230Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$20,507Total unused commitments
$0Restructured Loans and leases
$197,025Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$23,980Total interest income
$11,668Total interest expense
$12,312Net interest income
$1,226Provision for loan and lease losses
$2,485Total noninterest income
$0Fiduciary activities
$1,655Service charges on deposit accounts
$0Trading account gains & fees
$830Additional noninterest income
$9,677Total noninterest expense
$5,041Salaries and employee benefits
$1,297Premises and equipment expense
$3,339Additional noninterest expense
$3,894Pre-tax net operating income
$221Securities gains (losses)
$1,684Applicable income taxes
$2,431Income before extraordinary items
$0Extraordinary gains - net
$2,431Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,031Sale, conversion, retirement of capital stock, net
$520Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.10%Yield on earning assets
3.94%Cost of funding earning assets
4.16%Net interest margin
0.84%Noninterest income to earning assets
3.27%Noninterest expense to earning assets
0.72%Net operating income to assets
0.76%Return on assets (ROA)
1.29%Pretax return on assets
9.34%Return on equity (ROE)
7.35%Retained earnings to average equity (YTD only)
0.58%Net charge-offs to loans
118.91%Credit loss provision to net charge-offs
4.97%Efficiency ratio
62,601Assets per employee
2.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
21.39%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
298.24%Noncurrent assets plus other real estate owned to assets
0.61%Noncurrent loans to loans
0.43%Net loans and leases to deposits
62.38%Net loans and leases to core deposits
71.42%Equity capital to assets
8.45%Core capital (leverage) ratio
7.53%Tier 1 risk-based capital ratio
12.06%Total risk-based capital ratio
Memoranda
$13Average assets
$320,009Average earning assets
$26,018Average equity
$296,069Average loans
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