FDIC Certificate #: 34196 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Bank & Trust Company (#14778) Federal Reserve ID: 2480790 Date Established: July 08, 1996 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Interstate: No) FDIC's unique #: 56854 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: July 08, 1996 Last Structure Change Effective Date: July 29, 2011 Last Structure Change Process Date: August 03, 2011 Last Data Update: August 03, 2011 Data Source Date: April 05, 2012
Location
Address: 18333 Preston Road, Suite 100, Dallas, TX 75252 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)
Financial Summary
Total assets: $205.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
43Total employees (full-time equivalent)
$204,922Total assets
$31,754Cash and due from depository institutions
$28,354Interest-bearing balances
$48,801Securities
$0Federal funds sold & reverse repurchase agreements
$103,634Net loans & leases
$3,482Loan loss allowance
$0Trading account assets
$2,402Bank premises and fixed assets
$11,698Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$6,633All other assets
$204,922Total liabilities and capital
$192,983Total liabilities
$152,201Total deposits
$134,168Interest-bearing deposits
$152,201Deposits held in domestic offices
96.38%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$40,000Other borrowed funds
$0Subordinated debt
$782All other liabilities
$11,939Total equity capital
$11,939Total bank equity capital
$11,939Perpetual preferred stock
$0Common stock
$1,650Surplus
$31,557Undivided profits
Memoranda
$-21,268Noncurrent loans and leases
$10,857Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$4,483Earning assets
$0Long-term assets (5+ years)
$675Average Assets, year-to-date
$180,789Average Assets, quarterly
$42,107Volatile liabilities
$265,531Insider loans
$219,614FHLB advances
$67,206Loans and leases held for sale
$3,471Unused loan commitments
$40,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$10,857Total unused commitments
$5,952Restructured Loans and leases
$1,599Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$11,218Total interest income
$5,310Total interest expense
$5,908Net interest income
$830Provision for loan and lease losses
-$828Total noninterest income
$0Fiduciary activities
$308Service charges on deposit accounts
$0Trading account gains & fees
-$1,136Additional noninterest income
$8,848Total noninterest expense
$3,019Salaries and employee benefits
$1,407Premises and equipment expense
$4,422Additional noninterest expense
-$4,598Pre-tax net operating income
$2,141Securities gains (losses)
$0Applicable income taxes
-$2,457Income before extraordinary items
$0Extraordinary gains - net
-$2,457Net income attributable to bank
$0Net charge-offs
-$2,457Cash dividends
$4,926Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.69%Yield on earning assets
2.22%Cost of funding earning assets
2.47%Net interest margin
-0.35%Noninterest income to earning assets
3.70%Noninterest expense to earning assets
-1.73%Net operating income to assets
-0.93%Return on assets (ROA)
-0.93%Pretax return on assets
-17.16%Return on equity (ROE)
-17.16%Retained earnings to average equity (YTD only)
3.24%Net charge-offs to loans
16.85%Credit loss provision to net charge-offs
-0.76%Efficiency ratio
174,173Assets per employee
4.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.25%Loss allowance to noncurrent loans
77.67%Noncurrent assets plus other real estate owned to assets
7.90%Noncurrent loans to loans
4.19%Net loans and leases to deposits
68.09%Net loans and leases to core deposits
121.93%Equity capital to assets
5.83%Core capital (leverage) ratio
5.53%Tier 1 risk-based capital ratio
9.97%Total risk-based capital ratio
Memoranda
$11Average assets
$265,531Average earning assets
$14,320Average equity
$239,119Average loans
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