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

This bank is inactive as of July 07, 1995

  • First Texas Bank in Killeen, Texas (TX)
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First Texas Bank - Overview

  • General
  • FDIC Certificate #: 18606
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Texas Bank (#22551)
    Federal Reserve ID: 988359
    Date Established: August 20, 1962
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 12491
    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: September 26, 1962
    Last Structure Change Effective Date: July 07, 1995
    Last Structure Change Process Date: July 19, 1995
    Last Data Update: July 19, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Church And Gray Streets, Killeen, TX 76541
    County: Bell
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Killeen-Temple, TX (#3810)
    Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
    CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
  • Financial Summary
  • Total assets: $74.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $59Total assets
  • $76,614Cash and due from depository institutions
  • $6,748Interest-bearing balances
  • $100Securities
  • $29,896Federal funds sold & reverse repurchase agreements
  • $13,800Net loans & leases
  • $23,813Loan loss allowance
  • $239Trading account assets
  • $0Bank premises and fixed assets
  • $1,517Other real estate owned
  • $79Goodwill and other intangibles
  • $761Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $76,614Total liabilities
  • $70,599Total deposits
  • $70,102Interest-bearing deposits
  • $51,160Deposits held in domestic offices
  • 70102.00%% insured (estimated)
  • $81Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $228Subordinated debt
  • $0All other liabilities
  • $269Total equity capital
  • $269Total bank equity capital
  • $6,015Perpetual preferred stock
  • $0Common stock
  • $971Surplus
  • $4,100Undivided profits
  • Memoranda
  • $944Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $324Income earned, not collected on loans
  • $146Earning assets
  • $67,609Long-term assets (5+ years)
  • $423Average Assets, year-to-date
  • $73,303Average Assets, quarterly
  • $74,689Volatile liabilities
  • $4,450Insider loans
  • $1,084FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,791Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,079Total risk weighted assets
  • $33,304Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,538Total interest expense
  • $1,454Net interest income
  • $3,084Provision for loan and lease losses
  • $278Total noninterest income
  • $1,752Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,508Trading account gains & fees
  • $0Additional noninterest income
  • $244Total noninterest expense
  • $3,282Salaries and employee benefits
  • $1,596Premises and equipment expense
  • $292Additional noninterest expense
  • $1,394Pre-tax net operating income
  • $1,276Securities gains (losses)
  • $0Applicable income taxes
  • $373Income before extraordinary items
  • $903Extraordinary gains - net
  • $0Net income attributable to bank
  • $903Net charge-offs
  • $196Cash dividends
  • $500Sale, conversion, retirement of capital stock, net
  • -$181Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.20%Cost of funding earning assets
  • 2.31%Net interest margin
  • 4.90%Noninterest income to earning assets
  • 2.78%Noninterest expense to earning assets
  • 5.21%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 1.74%Return on equity (ROE)
  • 15.06%Retained earnings to average equity (YTD only)
  • 6.72%Net charge-offs to loans
  • 0.80%Credit loss provision to net charge-offs
  • 141.84%Efficiency ratio
  • 67,866Assets per employee
  • 1.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.37%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 73.77%Noncurrent assets plus other real estate owned to assets
  • 0.53%Noncurrent loans to loans
  • 1.35%Net loans and leases to deposits
  • 33.97%Net loans and leases to core deposits
  • 36.15%Equity capital to assets
  • 7.85%Core capital (leverage) ratio
  • 7.89%Tier 1 risk-based capital ratio
  • 18.25%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $73,303Average earning assets
  • $5,995Average equity
  • $62,986Average loans

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