New First City, Texas - Graham, National Association in Graham, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 13, 1993

  • New First City, Texas - Graham, National Association in Graham, Texas (TX)
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New First City, Texas - Graham, National Association - Overview

  • General
  • FDIC Certificate #: 33720
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First National Bank of Olney (#26920)
    Federal Reserve ID: 1998775
    Date Established: October 30, 1992
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 47832
    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: October 30, 1992
    Last Structure Change Effective Date: Febuary 13, 1993
    Last Structure Change Process Date: Febuary 23, 1993
    Last Data Update: April 11, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 455 Elm Street, Graham, TX 76046
    County: Young
    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
  • History of Changes
  • Bridge Bank Merger
  • Financial Summary
  • Total assets: $84.4 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $35Total assets
  • $84,367Cash and due from depository institutions
  • $2,448Interest-bearing balances
  • $0Securities
  • $5,234Federal funds sold & reverse repurchase agreements
  • $55,790Net loans & leases
  • $20,553Loan loss allowance
  • $744Trading account assets
  • $0Bank premises and fixed assets
  • $1Other real estate owned
  • $23Goodwill and other intangibles
  • $318Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $84,367Total liabilities
  • $84,934Total deposits
  • $78,060Interest-bearing deposits
  • $70,681Deposits held in domestic offices
  • 78060.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $470Subordinated debt
  • $0All other liabilities
  • $6,404Total equity capital
  • $6,404Total bank equity capital
  • $-567Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $-567Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,156Income earned, not collected on loans
  • $142Earning assets
  • $81,577Long-term assets (5+ years)
  • $216Average Assets, year-to-date
  • $84,367Average Assets, quarterly
  • $84,367Volatile liabilities
  • $12,696Insider loans
  • $67FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,828Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $-567Total risk weighted assets
  • $30,921Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $706Total interest expense
  • $431Net interest income
  • $275Provision for loan and lease losses
  • $231Total noninterest income
  • $72Fiduciary activities
  • $0Service charges on deposit accounts
  • $52Trading account gains & fees
  • $0Additional noninterest income
  • $20Total noninterest expense
  • $440Salaries and employee benefits
  • $175Premises and equipment expense
  • $55Additional noninterest expense
  • $210Pre-tax net operating income
  • -$324Securities gains (losses)
  • -$243Applicable income taxes
  • $0Income before extraordinary items
  • -$567Extraordinary gains - net
  • $0Net income attributable to bank
  • -$567Net charge-offs
  • $228Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 0.53%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 0.09%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • -0.38%Return on assets (ROA)
  • -0.67%Pretax return on assets
  • -0.67%Return on equity (ROE)
  • 100.00%Retained earnings to average equity (YTD only)
  • 100.00%Net charge-offs to loans
  • 1.07%Credit loss provision to net charge-offs
  • 101.32%Efficiency ratio
  • 126,801Assets per employee
  • 2.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.49%Loss allowance to noncurrent loans
  • 64.36%Noncurrent assets plus other real estate owned to assets
  • 1.40%Noncurrent loans to loans
  • 5.43%Net loans and leases to deposits
  • 26.33%Net loans and leases to core deposits
  • 31.22%Equity capital to assets
  • -0.67%Core capital (leverage) ratio
  • -0.64%Tier 1 risk-based capital ratio
  • -1.83%Total risk-based capital ratio
  • Memoranda
  • -$2Average assets
  • $84,367Average earning assets
  • -$567Average equity
  • $81,577Average loans

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