FDIC Certificate #: 3353 Status: Inactive Closing history: Change in Location Acquiring institution:Hillcrest Bank (#22173) Federal Reserve ID: 110066 Date Established: January 01, 1933 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) FDIC's unique #: 2173 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 06, 2005 Last Structure Change Process Date: December 22, 2005 Last Data Update: December 22, 2005 Data Source Date: April 05, 2012
Location
Address: 12 Oaks East Retirement Community Center, Dallas, TX 75228 County: Dallas 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)
History of Changes
Merger - Without Assistance
Office Sold
Change in Location
Financial Summary
Total assets: $16.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
12Total employees (full-time equivalent)
$16,100Total assets
$3,706Cash and due from depository institutions
$2,862Interest-bearing balances
$4,496Securities
$2,210Federal funds sold & reverse repurchase agreements
$5,104Net loans & leases
$54Loan loss allowance
$0Trading account assets
$359Bank premises and fixed assets
$133Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$92All other assets
$16,100Total liabilities and capital
$14,996Total liabilities
$14,961Total deposits
$10,848Interest-bearing deposits
$14,961Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$35All other liabilities
$1,104Total equity capital
$1,104Total bank equity capital
$1,104Perpetual preferred stock
$0Common stock
$200Surplus
$400Undivided profits
Memoranda
$504Noncurrent loans and leases
$87Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$83Earning assets
$0Long-term assets (5+ years)
$73Average Assets, year-to-date
$14,672Average Assets, quarterly
$4,323Volatile liabilities
$15,944Insider loans
$15,951FHLB advances
$3,441Loans and leases held for sale
$547Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$87Total unused commitments
$0Restructured Loans and leases
$54Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$668Total interest income
$197Total interest expense
$471Net interest income
$12Provision for loan and lease losses
$194Total noninterest income
$0Fiduciary activities
$180Service charges on deposit accounts
$0Trading account gains & fees
$14Additional noninterest income
$605Total noninterest expense
$301Salaries and employee benefits
$91Premises and equipment expense
$213Additional noninterest expense
$48Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$48Income before extraordinary items
$0Extraordinary gains - net
$48Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$4Sale, conversion, retirement of capital stock, net
$25Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.64%Yield on earning assets
1.37%Cost of funding earning assets
3.27%Net interest margin
1.35%Noninterest income to earning assets
4.20%Noninterest expense to earning assets
0.30%Net operating income to assets
0.30%Return on assets (ROA)
0.30%Pretax return on assets
4.41%Return on equity (ROE)
2.11%Retained earnings to average equity (YTD only)
-0.08%Net charge-offs to loans
-300.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
90,977Assets per employee
1.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.08%Loss allowance to loans
1.05%Loss allowance to noncurrent loans
65.06%Noncurrent assets plus other real estate owned to assets
1.34%Noncurrent loans to loans
1.61%Net loans and leases to deposits
34.12%Net loans and leases to core deposits
44.31%Equity capital to assets
6.86%Core capital (leverage) ratio
7.12%Tier 1 risk-based capital ratio
15.01%Total risk-based capital ratio
Memoranda
$16Average assets
$15,944Average earning assets
$1,089Average equity
$14,401Average loans
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