Peoples Bank and Trust in Borger, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 31, 1996

  • Peoples Bank and Trust in Borger, Texas (TX)
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Peoples Bank and Trust - Overview

  • General
  • FDIC Certificate #: 18662
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Boatmen's First National Bank of Amarillo (#3072)
    Federal Reserve ID: 533366
    Date Established: December 01, 1962
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 12541
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 01, 1962
    Last Structure Change Effective Date: May 31, 1996
    Last Structure Change Process Date: June 05, 1996
    Last Data Update: May 06, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 531 North Deahl, Borger, TX 79007
    County: Hutchinson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Borger, TX (#14420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Absorption - Assisted
  • Financial Summary
  • Total assets: $22.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $31Total assets
  • $24,843Cash and due from depository institutions
  • $2,590Interest-bearing balances
  • $1,270Securities
  • $1,057Federal funds sold & reverse repurchase agreements
  • $4,525Net loans & leases
  • $14,783Loan loss allowance
  • $676Trading account assets
  • $0Bank premises and fixed assets
  • $560Other real estate owned
  • $432Goodwill and other intangibles
  • $488Life insurance assets
  • $408All other assets
  • $0Total liabilities and capital
  • $24,843Total liabilities
  • $24,407Total deposits
  • $24,267Interest-bearing deposits
  • $19,067Deposits held in domestic offices
  • 24267.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $140Total equity capital
  • $140Total bank equity capital
  • $436Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $1,100Undivided profits
  • Memoranda
  • $-1,164Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,871Income earned, not collected on loans
  • $316Earning assets
  • $21,635Long-term assets (5+ years)
  • $2,030Average Assets, year-to-date
  • $26,464Average Assets, quarterly
  • $25,606Volatile liabilities
  • $4,861Insider loans
  • $462FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,387Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $248Total risk weighted assets
  • $16,566Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,889Total interest expense
  • $864Net interest income
  • $1,025Provision for loan and lease losses
  • $555Total noninterest income
  • $377Fiduciary activities
  • $0Service charges on deposit accounts
  • $130Trading account gains & fees
  • $0Additional noninterest income
  • $247Total noninterest expense
  • $2,127Salaries and employee benefits
  • $699Premises and equipment expense
  • $297Additional noninterest expense
  • $1,131Pre-tax net operating income
  • -$1,280Securities gains (losses)
  • $168Applicable income taxes
  • $0Income before extraordinary items
  • -$1,112Extraordinary gains - net
  • $0Net income attributable to bank
  • -$1,112Net charge-offs
  • $603Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.32%Cost of funding earning assets
  • 3.80%Net interest margin
  • 4.51%Noninterest income to earning assets
  • 1.66%Noninterest expense to earning assets
  • 9.36%Net operating income to assets
  • -4.84%Return on assets (ROA)
  • -4.20%Pretax return on assets
  • -4.20%Return on equity (ROE)
  • -106.35%Retained earnings to average equity (YTD only)
  • -106.35%Net charge-offs to loans
  • 3.44%Credit loss provision to net charge-offs
  • 92.04%Efficiency ratio
  • 147,575Assets per employee
  • 0.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.37%Loss allowance to noncurrent loans
  • 17.46%Noncurrent assets plus other real estate owned to assets
  • 17.56%Noncurrent loans to loans
  • 25.04%Net loans and leases to deposits
  • 60.92%Net loans and leases to core deposits
  • 76.18%Equity capital to assets
  • 1.76%Core capital (leverage) ratio
  • 0.98%Tier 1 risk-based capital ratio
  • 1.49%Total risk-based capital ratio
  • Memoranda
  • $3Average assets
  • $26,464Average earning assets
  • $1,046Average equity
  • $22,713Average loans

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