Fredonia State Bank in Nacogdoches, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 01, 2000

  • Fredonia State Bank in Nacogdoches, Texas (TX)
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Fredonia State Bank - Overview

  • General
  • FDIC Certificate #: 19067
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BancorpSouth Bank (#11813)
    Federal Reserve ID: 888468
    Date Established: April 01, 1964
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    OTS Docket #: 11164
    FDIC's unique #: 12901
    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: April 01, 1964
    Last Structure Change Effective Date: September 01, 2000
    Last Structure Change Process Date: September 27, 2000
    Last Data Update: September 27, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 2400 North Street, Nacogdoches, TX 75961
    County: Nacogdoches
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Nacogdoches, TX (#34860)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $349.9 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, 1999)

  • Dollar figures in thousands
  • 167Total employees (full-time equivalent)
  • $363,370Total assets
  • $19,516Cash and due from depository institutions
  • $0Interest-bearing balances
  • $77,589Securities
  • $21,371Federal funds sold & reverse repurchase agreements
  • $227,990Net loans & leases
  • $2,498Loan loss allowance
  • $0Trading account assets
  • $3,931Bank premises and fixed assets
  • $514Other real estate owned
  • $7,028Goodwill and other intangibles
  • $0Life insurance assets
  • $5,431All other assets
  • $363,370Total liabilities and capital
  • $329,439Total liabilities
  • $326,840Total deposits
  • $270,354Interest-bearing deposits
  • $326,840Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $2,599All other liabilities
  • $33,931Total equity capital
  • $33,931Total bank equity capital
  • $33,931Perpetual preferred stock
  • $0Common stock
  • $2,875Surplus
  • $12,125Undivided profits
  • Memoranda
  • $18,931Noncurrent loans and leases
  • $26,129Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $5,728Earning assets
  • $0Long-term assets (5+ years)
  • $1,980Average Assets, year-to-date
  • $326,950Average Assets, quarterly
  • $15,894Volatile liabilities
  • $299,737Insider loans
  • $361,186FHLB advances
  • $47,711Loans and leases held for sale
  • $4,846Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $26,129Total unused commitments
  • $0Restructured Loans and leases
  • $2,498Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $22,070Total interest income
  • $9,413Total interest expense
  • $12,657Net interest income
  • $0Provision for loan and lease losses
  • $2,544Total noninterest income
  • $0Fiduciary activities
  • $2,064Service charges on deposit accounts
  • $0Trading account gains & fees
  • $480Additional noninterest income
  • $8,319Total noninterest expense
  • $4,724Salaries and employee benefits
  • $1,144Premises and equipment expense
  • $2,451Additional noninterest expense
  • $6,882Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,151Applicable income taxes
  • $4,731Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,731Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $312Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.99%Yield on earning assets
  • 3.41%Cost of funding earning assets
  • 4.58%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 1.58%Net operating income to assets
  • 1.58%Return on assets (ROA)
  • 2.30%Pretax return on assets
  • 17.11%Return on equity (ROE)
  • 17.11%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 22.06%Efficiency ratio
  • 52,168Assets per employee
  • 2.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 43.61%Noncurrent assets plus other real estate owned to assets
  • 1.72%Noncurrent loans to loans
  • 2.49%Net loans and leases to deposits
  • 69.76%Net loans and leases to core deposits
  • 81.68%Equity capital to assets
  • 9.34%Core capital (leverage) ratio
  • 8.78%Tier 1 risk-based capital ratio
  • 12.18%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $299,737Average earning assets
  • $27,653Average equity
  • $276,197Average loans

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