The Bank and Trust, S.S.B. in Sonora, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 22, 1999

  • The Bank and Trust, S.S.B. in Sonora, Texas (TX)
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The Bank and Trust, S.S.B. - Overview

  • General
  • FDIC Certificate #: 24299
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: The Bank and Trust, S.S.B. (#1184)
    Federal Reserve ID: 263467
    Date Established: January 03, 1983
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 16901
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 03, 1983
    Last Structure Change Effective Date: January 22, 1999
    Last Structure Change Process Date: March 12, 1999
    Last Data Update: April 28, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 207 Highway 77 North, Sonora, TX 76950
    County: Sutton
    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
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $27.6 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 14Total employees (full-time equivalent)
  • $27,570Total assets
  • $966Cash and due from depository institutions
  • $200Interest-bearing balances
  • $8,888Securities
  • $5,670Federal funds sold & reverse repurchase agreements
  • $11,059Net loans & leases
  • $61Loan loss allowance
  • $0Trading account assets
  • $818Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $169All other assets
  • $27,570Total liabilities and capital
  • $25,125Total liabilities
  • $24,703Total deposits
  • $21,456Interest-bearing deposits
  • $24,703Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $422All other liabilities
  • $2,445Total equity capital
  • $2,445Total bank equity capital
  • $2,445Perpetual preferred stock
  • $0Common stock
  • $750Surplus
  • $750Undivided profits
  • Memoranda
  • $945Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $37Earning assets
  • $0Long-term assets (5+ years)
  • $120Average Assets, year-to-date
  • $25,817Average Assets, quarterly
  • $6,095Volatile liabilities
  • $26,482Insider loans
  • $26,464FHLB advances
  • $6,340Loans and leases held for sale
  • $461Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $489Total unused commitments
  • $0Restructured Loans and leases
  • $13,358Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $1,745Total interest income
  • $730Total interest expense
  • $1,015Net interest income
  • $10Provision for loan and lease losses
  • $201Total noninterest income
  • $0Fiduciary activities
  • $149Service charges on deposit accounts
  • $0Trading account gains & fees
  • $52Additional noninterest income
  • $868Total noninterest expense
  • $483Salaries and employee benefits
  • $135Premises and equipment expense
  • $250Additional noninterest expense
  • $338Pre-tax net operating income
  • $0Securities gains (losses)
  • $118Applicable income taxes
  • $220Income before extraordinary items
  • $0Extraordinary gains - net
  • $220Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.07%Yield on earning assets
  • 2.96%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 1.28%Pretax return on assets
  • 9.54%Return on equity (ROE)
  • 9.54%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 200.00%Credit loss provision to net charge-offs
  • 69.60%Efficiency ratio
  • 71,382Assets per employee
  • 1.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.55%Loss allowance to noncurrent loans
  • 164.86%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 44.77%Net loans and leases to core deposits
  • 60.22%Equity capital to assets
  • 8.87%Core capital (leverage) ratio
  • 9.19%Tier 1 risk-based capital ratio
  • 18.11%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $26,482Average earning assets
  • $2,305Average equity
  • $24,676Average loans

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