NBC Bank Central, National Association in Luling, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 2000

  • NBC Bank Central, National Association in Luling, Texas (TX)
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NBC Bank Central, National Association - Overview

  • General
  • FDIC Certificate #: 13426
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: NBC Bank, National Association (#3180)
    Federal Reserve ID: 828455
    Date Established: December 30, 1933
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 8454
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 01, 2000
    Last Structure Change Process Date: November 17, 2000
    Last Data Update: November 17, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 South Pecan Street, Luling, TX 78648
    County: Caldwell
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • Financial Summary
  • Total assets: $34.7 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
  • 17Total employees (full-time equivalent)
  • $31,573Total assets
  • $3,342Cash and due from depository institutions
  • $1,983Interest-bearing balances
  • $4,300Securities
  • $2,519Federal funds sold & reverse repurchase agreements
  • $18,090Net loans & leases
  • $516Loan loss allowance
  • $0Trading account assets
  • $1,228Bank premises and fixed assets
  • $0Other real estate owned
  • $1,816Goodwill and other intangibles
  • $0Life insurance assets
  • $278All other assets
  • $31,573Total liabilities and capital
  • $25,688Total liabilities
  • $25,470Total deposits
  • $20,479Interest-bearing deposits
  • $25,470Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $218All other liabilities
  • $5,885Total equity capital
  • $5,885Total bank equity capital
  • $5,885Perpetual preferred stock
  • $0Common stock
  • $150Surplus
  • $4,716Undivided profits
  • Memoranda
  • $1,019Noncurrent loans and leases
  • $1,292Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $5Earning assets
  • $0Long-term assets (5+ years)
  • $167Average Assets, year-to-date
  • $26,892Average Assets, quarterly
  • $3,632Volatile liabilities
  • $31,557Insider loans
  • $31,649FHLB advances
  • $2,992Loans and leases held for sale
  • $468Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,292Total unused commitments
  • $0Restructured Loans and leases
  • $254Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $2,098Total interest income
  • $690Total interest expense
  • $1,408Net interest income
  • $0Provision for loan and lease losses
  • $474Total noninterest income
  • $0Fiduciary activities
  • $317Service charges on deposit accounts
  • $0Trading account gains & fees
  • $157Additional noninterest income
  • $1,344Total noninterest expense
  • $596Salaries and employee benefits
  • $223Premises and equipment expense
  • $525Additional noninterest expense
  • $538Pre-tax net operating income
  • $0Securities gains (losses)
  • $213Applicable income taxes
  • $325Income before extraordinary items
  • $0Extraordinary gains - net
  • $325Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$18Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.92%Yield on earning assets
  • 2.60%Cost of funding earning assets
  • 5.31%Net interest margin
  • 1.79%Noninterest income to earning assets
  • 5.07%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.70%Pretax return on assets
  • 5.66%Return on equity (ROE)
  • 5.66%Retained earnings to average equity (YTD only)
  • -0.10%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,003Assets per employee
  • 1.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.77%Loss allowance to noncurrent loans
  • 10320.00%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 71.02%Net loans and leases to core deposits
  • 80.48%Equity capital to assets
  • 18.64%Core capital (leverage) ratio
  • 13.61%Tier 1 risk-based capital ratio
  • 20.50%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $31,557Average earning assets
  • $5,746Average equity
  • $26,495Average loans

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