FDIC Certificate #: 57922 Status: Active Federal Reserve ID: 3297490 Bank Holding Company (Regulatory Top Holder): Texas Brand Bancshares, Inc. (RSSDID: 3345234, Location: Garland, TX) Date Established: March 04, 2005 WWW:http://www.texasbrandbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 431421 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: March 04, 2005 Last Structure Change Effective Date: December 09, 2010 Last Structure Change Process Date: December 09, 2010 Last Data Update: December 09, 2010 Data Source Date: April 05, 2012
Location
Address: 1919 S. Shiloh Road, Suite 100 Lb 30, Garland, TX 75042 County: Dallas 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 Metropolitan Statistical Area (MSA): Dallas, TX (#1920) Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31) Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
Financial Summary
Total assets: $92.7 mil Equity capital: $11.0 mil Deposits held in domestic offices: $76.6 mil Return on assets (ROA): 0.13% ($0.1 mil) Quarterly return on assets: -0.55% (-$0.5 mil) Return on Equity (ROE): 1.17% ($0.1 mil) Quarterly return on equity: -4.61% (-$0.5 mil) Net income: $0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.13% ($120.5 mil) Quarterly Pretax return on assets: -0.55% (-$509.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
20Total employees (full-time equivalent)
$92,715Total assets
$16,145Cash and due from depository institutions
$9,906Interest-bearing balances
$8,291Securities
$0Federal funds sold & reverse repurchase agreements
$65,586Net loans & leases
$869Loan loss allowance
$0Trading account assets
$144Bank premises and fixed assets
$1,469Other real estate owned
$0Goodwill and other intangibles
$92,715Life insurance assets
$1,080All other assets
$81,684Total liabilities and capital
$76,566Total liabilities
$62,699Total deposits
$76,566Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,000Trading liabilities
$0Other borrowed funds
$118Subordinated debt
$11,031All other liabilities
$11,031Total equity capital
$11,031Total bank equity capital
$0Perpetual preferred stock
$4,245Common stock
$7,079Surplus
$-293Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$365Income earned, not collected on loans
$0Earning assets
$302Long-term assets (5+ years)
$83,783Average Assets, year-to-date
$12,252Average Assets, quarterly
$88,699Volatile liabilities
$92,349Insider loans
$64,322FHLB advances
$92,500Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,927Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,875Restructured Loans and leases
$1,772Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,652Total interest income
$1,089Total interest expense
$3,563Net interest income
$360Provision for loan and lease losses
-$34Total noninterest income
$0Fiduciary activities
$162Service charges on deposit accounts
$0Trading account gains & fees
-$196Additional noninterest income
$3,062Total noninterest expense
$1,609Salaries and employee benefits
$289Premises and equipment expense
$1,164Additional noninterest expense
$107Pre-tax net operating income
$10Securities gains (losses)
$0Applicable income taxes
$117Income before extraordinary items
$0Extraordinary gains - net
$117Net income attributable to bank
$0Net charge-offs
$117Cash dividends
$305Sale, conversion, retirement of capital stock, net
$164Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.76%Yield on earning assets
1.35%Cost of funding earning assets
4.41%Net interest margin
-0.04%Noninterest income to earning assets
3.79%Noninterest expense to earning assets
0.12%Net operating income to assets
0.13%Return on assets (ROA)
0.13%Pretax return on assets
1.17%Return on equity (ROE)
-0.47%Retained earnings to average equity (YTD only)
0.47%Net charge-offs to loans
118.03%Credit loss provision to net charge-offs
1.53%Efficiency ratio
86,767Assets per employee
4.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
140.17%Loss allowance to loans
1.31%Loss allowance to noncurrent loans
238.08%Noncurrent assets plus other real estate owned to assets
1.98%Noncurrent loans to loans
0.55%Net loans and leases to deposits
85.66%Net loans and leases to core deposits
92.91%Equity capital to assets
11.90%Core capital (leverage) ratio
11.81%Tier 1 risk-based capital ratio
16.99%Total risk-based capital ratio
Memoranda
$18Average assets
$88,699Average earning assets
$9,960Average equity
$80,741Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
431421
Texas Brand Bank
1919 S. Shiloh Road, Suite 100 Lb 30, Garland, TX 75042
March 04, 2005
Full Service Brick and Mortar
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