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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