Texas Heritage Savings Association/banc in Rowlett, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1996

  • Texas Heritage Savings Association/banc in Rowlett, Texas (TX)
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Texas Heritage Savings Association/banc - Overview

  • General
  • FDIC Certificate #: 32427
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Federal Savings Bank of North Texas (#29221)
    Federal Reserve ID: 805072
    Date Established: December 18, 1985
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 8252
    FDIC's unique #: 45261
    Numeric code: 35
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 18, 1985
    Last Structure Change Effective Date: December 31, 1996
    Last Structure Change Process Date: January 22, 1997
    Last Data Update: January 22, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 9802 Highway 66, Rowlett, TX 75088
    County: Rockwall
    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: $69.3 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)
  • $28Total assets
  • $62,522Cash and due from depository institutions
  • $2,495Interest-bearing balances
  • $2,022Securities
  • $8,643Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $47,926Loan loss allowance
  • $601Trading account assets
  • $0Bank premises and fixed assets
  • $1,198Other real estate owned
  • $838Goodwill and other intangibles
  • $1,422Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $62,522Total liabilities
  • $58,324Total deposits
  • $53,530Interest-bearing deposits
  • $52,376Deposits held in domestic offices
  • 53530.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,307Subordinated debt
  • $0All other liabilities
  • $487Total equity capital
  • $487Total bank equity capital
  • $4,198Perpetual preferred stock
  • $39Common stock
  • $1,403Surplus
  • $1,616Undivided profits
  • Memoranda
  • $1,140Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $742Income earned, not collected on loans
  • $414Earning assets
  • $58,591Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $59,759Average Assets, quarterly
  • $61,545Volatile liabilities
  • $6,099Insider loans
  • $281FHLB advances
  • $4,307Loans and leases held for sale
  • $0Unused loan commitments
  • $2,496Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,219Total risk weighted assets
  • $41,540Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,805Total interest expense
  • $2,959Net interest income
  • $2,846Provision for loan and lease losses
  • $83Total noninterest income
  • $597Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $597Total noninterest expense
  • $2,035Salaries and employee benefits
  • $985Premises and equipment expense
  • $390Additional noninterest expense
  • $660Pre-tax net operating income
  • $1,325Securities gains (losses)
  • $0Applicable income taxes
  • $467Income before extraordinary items
  • $858Extraordinary gains - net
  • $0Net income attributable to bank
  • $858Net charge-offs
  • $35Cash dividends
  • $150Sale, 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
  • 10.29%Cost of funding earning assets
  • 5.24%Net interest margin
  • 5.04%Noninterest income to earning assets
  • 1.06%Noninterest expense to earning assets
  • 3.61%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 2.22%Return on equity (ROE)
  • 22.44%Retained earnings to average equity (YTD only)
  • 18.52%Net charge-offs to loans
  • 0.08%Credit loss provision to net charge-offs
  • 237.14%Efficiency ratio
  • 59,105Assets per employee
  • 2.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 17.48%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 81.00%Noncurrent assets plus other real estate owned to assets
  • 2.53%Noncurrent loans to loans
  • 1.53%Net loans and leases to deposits
  • 89.53%Net loans and leases to core deposits
  • 92.63%Equity capital to assets
  • 6.71%Core capital (leverage) ratio
  • 6.75%Tier 1 risk-based capital ratio
  • 10.16%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $59,759Average earning assets
  • $3,824Average equity
  • $56,421Average loans

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