The First National Bank of San Augustine - Overview
General
FDIC Certificate #: 5515 Status: Inactive Closing history: Participated in Reorganization Acquiring institution:Community Bank & Trust, S.S.B. (#15325) Federal Reserve ID: 518765 Date Established: March 05, 1902 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) OTS Docket #: 11569 FDIC's unique #: 3744 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: January 01, 1934 Last Structure Change Effective Date: May 19, 2000 Last Structure Change Process Date: July 28, 2000 Last Data Update: July 28, 2000 Data Source Date: April 05, 2012
Location
Address: 123 Harrison Street, San Augustine, TX 75972 County: San Augustine Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Merger - Without Assistance
Participated in Reorganization
Financial Summary
Total assets: $49.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
22Total employees (full-time equivalent)
$51,445Total assets
$8,631Cash and due from depository institutions
$5,735Interest-bearing balances
$20,864Securities
$850Federal funds sold & reverse repurchase agreements
$19,592Net loans & leases
$128Loan loss allowance
$0Trading account assets
$910Bank premises and fixed assets
$53Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$545All other assets
$51,445Total liabilities and capital
$44,303Total liabilities
$44,128Total deposits
$36,955Interest-bearing deposits
$44,128Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$175All other liabilities
$7,142Total equity capital
$7,142Total bank equity capital
$7,142Perpetual preferred stock
$0Common stock
$1,000Surplus
$1,000Undivided profits
Memoranda
$5,142Noncurrent loans and leases
$346Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$190Earning assets
$0Long-term assets (5+ years)
$197Average Assets, year-to-date
$47,041Average Assets, quarterly
$20,525Volatile liabilities
$50,667Insider loans
$52,335FHLB advances
$7,928Loans and leases held for sale
$800Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$346Total unused commitments
$0Restructured Loans and leases
$128Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$3,247Total interest income
$1,487Total interest expense
$1,760Net interest income
$97Provision for loan and lease losses
$298Total noninterest income
$0Fiduciary activities
$244Service charges on deposit accounts
$0Trading account gains & fees
$54Additional noninterest income
$1,551Total noninterest expense
$937Salaries and employee benefits
$234Premises and equipment expense
$380Additional noninterest expense
$410Pre-tax net operating income
$0Securities gains (losses)
$112Applicable income taxes
$298Income before extraordinary items
$0Extraordinary gains - net
$298Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$227Sale, conversion, retirement of capital stock, net
$75Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.95%Yield on earning assets
3.18%Cost of funding earning assets
3.77%Net interest margin
0.64%Noninterest income to earning assets
3.32%Noninterest expense to earning assets
0.59%Net operating income to assets
0.59%Return on assets (ROA)
0.81%Pretax return on assets
4.19%Return on equity (ROE)
3.13%Retained earnings to average equity (YTD only)
1.10%Net charge-offs to loans
42.73%Credit loss provision to net charge-offs
2.23%Efficiency ratio
75,364Assets per employee
2.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
25.17%Loss allowance to loans
0.65%Loss allowance to noncurrent loans
67.37%Noncurrent assets plus other real estate owned to assets
0.47%Noncurrent loans to loans
0.96%Net loans and leases to deposits
44.40%Net loans and leases to core deposits
54.12%Equity capital to assets
13.88%Core capital (leverage) ratio
13.98%Tier 1 risk-based capital ratio
28.55%Total risk-based capital ratio
Memoranda
$29Average assets
$50,667Average earning assets
$7,120Average equity
$46,717Average loans
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