Salado National Bank in Salado, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1993

  • Salado National Bank in Salado, Texas (TX)
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Salado National Bank - Overview

  • General
  • FDIC Certificate #: 22841
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First State Bank Central Texas (#11151)
    Federal Reserve ID: 993764
    Date Established: April 09, 1979
    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 #: 15957
    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: April 09, 1979
    Last Structure Change Effective Date: October 01, 1993
    Last Structure Change Process Date: November 03, 1993
    Last Data Update: November 03, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Thomas Arnold, Salado, TX 76571
    County: Bell
    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): Killeen-Temple, TX (#3810)
    Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
    CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
  • Financial Summary
  • Total assets: $17.9 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $10Total assets
  • $18,198Cash and due from depository institutions
  • $2,660Interest-bearing balances
  • $1,191Securities
  • $5,591Federal funds sold & reverse repurchase agreements
  • $531Net loans & leases
  • $8,685Loan loss allowance
  • $224Trading account assets
  • $0Bank premises and fixed assets
  • $264Other real estate owned
  • $288Goodwill and other intangibles
  • $179Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $18,198Total liabilities
  • $16,930Total deposits
  • $16,856Interest-bearing deposits
  • $14,094Deposits held in domestic offices
  • 16856.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $74Total equity capital
  • $74Total bank equity capital
  • $1,268Perpetual preferred stock
  • $0Common stock
  • $375Surplus
  • $375Undivided profits
  • Memoranda
  • $518Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $306Income earned, not collected on loans
  • $70Earning assets
  • $15,998Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $17,040Average Assets, quarterly
  • $17,617Volatile liabilities
  • $1,032Insider loans
  • $108FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $609Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,268Total risk weighted assets
  • $8,386Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,273Total interest expense
  • $545Net interest income
  • $728Provision for loan and lease losses
  • $23Total noninterest income
  • $148Fiduciary activities
  • $0Service charges on deposit accounts
  • $86Trading account gains & fees
  • $0Additional noninterest income
  • $62Total noninterest expense
  • $726Salaries and employee benefits
  • $287Premises and equipment expense
  • $55Additional noninterest expense
  • $384Pre-tax net operating income
  • $127Securities gains (losses)
  • $0Applicable income taxes
  • $33Income before extraordinary items
  • $94Extraordinary gains - net
  • $0Net income attributable to bank
  • $94Net charge-offs
  • $63Cash 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
  • 8.39%Cost of funding earning assets
  • 3.59%Net interest margin
  • 4.80%Noninterest income to earning assets
  • 0.97%Noninterest expense to earning assets
  • 4.78%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 0.75%Return on equity (ROE)
  • 7.63%Retained earnings to average equity (YTD only)
  • 7.63%Net charge-offs to loans
  • 0.71%Credit loss provision to net charge-offs
  • 36.51%Efficiency ratio
  • 82,877Assets per employee
  • 1.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.51%Loss allowance to noncurrent loans
  • 73.20%Noncurrent assets plus other real estate owned to assets
  • 3.26%Noncurrent loans to loans
  • 3.43%Net loans and leases to deposits
  • 51.52%Net loans and leases to core deposits
  • 54.88%Equity capital to assets
  • 6.97%Core capital (leverage) ratio
  • 7.14%Tier 1 risk-based capital ratio
  • 15.12%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $17,040Average earning assets
  • $1,232Average equity
  • $15,180Average loans

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