Loan and Building State Savings Bank in Sulphur Springs, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 28, 1997

  • Loan and Building State Savings Bank in Sulphur Springs, Texas (TX)
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Loan and Building State Savings Bank - Overview

  • General
  • FDIC Certificate #: 30002
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Federal Savings Bank of North Texas (#29221)
    Federal Reserve ID: 826778
    Date Established: January 01, 1890
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 6 (Interstate: No)
    OTS Docket #: 4521
    FDIC's unique #: 42836
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 14, 1938
    Last Structure Change Effective Date: Febuary 28, 1997
    Last Structure Change Process Date: March 27, 1997
    Last Data Update: March 27, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 306 North Davis Street, Sulphur Springs, TX 75482
    County: Hopkins
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Sulphur Springs, TX (#44860)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $137.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $36Total assets
  • $137,673Cash and due from depository institutions
  • $4,464Interest-bearing balances
  • $3,184Securities
  • $59,622Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $69,666Loan loss allowance
  • $756Trading account assets
  • $0Bank premises and fixed assets
  • $2,257Other real estate owned
  • $293Goodwill and other intangibles
  • $1,371Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $137,673Total liabilities
  • $118,394Total deposits
  • $104,636Interest-bearing deposits
  • $103,344Deposits held in domestic offices
  • 104636.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $13,275Subordinated debt
  • $0All other liabilities
  • $483Total equity capital
  • $483Total bank equity capital
  • $19,279Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $15,864Undivided profits
  • Memoranda
  • $3,415Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $457Income earned, not collected on loans
  • $493Earning assets
  • $132,472Long-term assets (5+ years)
  • $41,048Average Assets, year-to-date
  • $138,246Average Assets, quarterly
  • $138,687Volatile liabilities
  • $25,555Insider loans
  • $563FHLB advances
  • $0Loans and leases held for sale
  • $733Unused loan commitments
  • $163Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $19,244Total risk weighted assets
  • $64,730Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $10,299Total interest expense
  • $5,911Net interest income
  • $4,388Provision for loan and lease losses
  • -$100Total noninterest income
  • $177Fiduciary activities
  • $0Service charges on deposit accounts
  • $79Trading account gains & fees
  • $0Additional noninterest income
  • $98Total noninterest expense
  • $3,633Salaries and employee benefits
  • $1,295Premises and equipment expense
  • $333Additional noninterest expense
  • $2,005Pre-tax net operating income
  • $1,032Securities gains (losses)
  • $39Applicable income taxes
  • $258Income before extraordinary items
  • $813Extraordinary gains - net
  • $0Net income attributable to bank
  • $813Net charge-offs
  • $2Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.75%Cost of funding earning assets
  • 4.45%Net interest margin
  • 3.30%Noninterest income to earning assets
  • 0.13%Noninterest expense to earning assets
  • 2.73%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 0.77%Return on equity (ROE)
  • 4.33%Retained earnings to average equity (YTD only)
  • 4.33%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • -5000.00%Efficiency ratio
  • 79,584Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 165.43%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.65%Net loans and leases to deposits
  • 66.58%Net loans and leases to core deposits
  • 76.07%Equity capital to assets
  • 14.00%Core capital (leverage) ratio
  • 13.84%Tier 1 risk-based capital ratio
  • 29.73%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $138,246Average earning assets
  • $18,784Average equity
  • $132,883Average loans

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