FDIC Certificate #: 26717 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank in Munday (#3356) Federal Reserve ID: 742663 Date Established: June 27, 1986 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 35798 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: June 27, 1986 Last Structure Change Effective Date: December 29, 2000 Last Structure Change Process Date: January 24, 2001 Last Data Update: January 24, 2001 Data Source Date: April 05, 2012
Location
Address: 410 Carothers Avenue, Rochester, TX 79544 County: Haskell 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
Financial Summary
Total assets: $24.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$29,117Total assets
$1,907Cash and due from depository institutions
$0Interest-bearing balances
$2,118Securities
$0Federal funds sold & reverse repurchase agreements
$23,625Net loans & leases
$382Loan loss allowance
$0Trading account assets
$453Bank premises and fixed assets
$124Other real estate owned
$1Goodwill and other intangibles
$0Life insurance assets
$889All other assets
$29,117Total liabilities and capital
$27,422Total liabilities
$27,257Total deposits
$23,147Interest-bearing deposits
$27,257Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$165All other liabilities
$1,695Total equity capital
$1,695Total bank equity capital
$1,695Perpetual preferred stock
$0Common stock
$250Surplus
$1,250Undivided profits
Memoranda
$195Noncurrent loans and leases
$429Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,807Earning assets
$1,460Long-term assets (5+ years)
$631Average Assets, year-to-date
$25,743Average Assets, quarterly
$2,136Volatile liabilities
$28,908Insider loans
$28,986FHLB advances
$6,901Loans and leases held for sale
$750Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$429Total unused commitments
$0Restructured Loans and leases
$266Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$2,285Total interest income
$1,048Total interest expense
$1,237Net interest income
$646Provision for loan and lease losses
$216Total noninterest income
$0Fiduciary activities
$195Service charges on deposit accounts
$0Trading account gains & fees
$21Additional noninterest income
$1,084Total noninterest expense
$379Salaries and employee benefits
$184Premises and equipment expense
$521Additional noninterest expense
-$277Pre-tax net operating income
$0Securities gains (losses)
-$138Applicable income taxes
-$139Income before extraordinary items
$0Extraordinary gains - net
-$139Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$545Sale, conversion, retirement of capital stock, net
$33Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.72%Yield on earning assets
4.00%Cost of funding earning assets
4.72%Net interest margin
0.82%Noninterest income to earning assets
4.14%Noninterest expense to earning assets
-0.48%Net operating income to assets
-0.48%Return on assets (ROA)
-0.96%Pretax return on assets
-7.85%Return on equity (ROE)
-9.71%Retained earnings to average equity (YTD only)
2.35%Net charge-offs to loans
118.53%Credit loss provision to net charge-offs
0.68%Efficiency ratio
74,604Assets per employee
1.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
-23.74%Loss allowance to loans
1.59%Loss allowance to noncurrent loans
21.14%Noncurrent assets plus other real estate owned to assets
6.63%Noncurrent loans to loans
7.53%Net loans and leases to deposits
86.67%Net loans and leases to core deposits
116.06%Equity capital to assets
5.82%Core capital (leverage) ratio
5.85%Tier 1 risk-based capital ratio
8.00%Total risk-based capital ratio
Memoranda
$9Average assets
$28,908Average earning assets
$1,772Average equity
$26,192Average loans
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