The First State Bank in De Leon, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1997

  • The First State Bank in De Leon, Texas (TX)
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The First State Bank - Overview

  • General
  • FDIC Certificate #: 11163
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First National Bank of Dublin (#26228)
    Federal Reserve ID: 340359
    Date Established: January 01, 1922
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 7124
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 1997
    Last Structure Change Process Date: January 22, 1997
    Last Data Update: January 30, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 North Texas Street, De Leon, TX 76444
    County: Comanche
    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
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $21.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $15Total assets
  • $21,552Cash and due from depository institutions
  • $1,271Interest-bearing balances
  • $0Securities
  • $6,126Federal funds sold & reverse repurchase agreements
  • $1,515Net loans & leases
  • $11,802Loan loss allowance
  • $171Trading account assets
  • $0Bank premises and fixed assets
  • $448Other real estate owned
  • $0Goodwill and other intangibles
  • $390Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $21,552Total liabilities
  • $19,844Total deposits
  • $19,728Interest-bearing deposits
  • $16,168Deposits held in domestic offices
  • 19728.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $116Total equity capital
  • $116Total bank equity capital
  • $1,708Perpetual preferred stock
  • $0Common stock
  • $117Surplus
  • $1,055Undivided profits
  • Memoranda
  • $536Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $204Income earned, not collected on loans
  • $279Earning assets
  • $19,443Long-term assets (5+ years)
  • $2,489Average Assets, year-to-date
  • $21,621Average Assets, quarterly
  • $21,387Volatile liabilities
  • $1,300Insider loans
  • $110FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,998Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,754Total risk weighted assets
  • $13,789Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,703Total interest expense
  • $683Net interest income
  • $1,020Provision for loan and lease losses
  • $0Total noninterest income
  • $191Fiduciary activities
  • $0Service charges on deposit accounts
  • $180Trading account gains & fees
  • $0Additional noninterest income
  • $11Total noninterest expense
  • $938Salaries and employee benefits
  • $517Premises and equipment expense
  • $72Additional noninterest expense
  • $349Pre-tax net operating income
  • $273Securities gains (losses)
  • $0Applicable income taxes
  • $87Income before extraordinary items
  • $186Extraordinary gains - net
  • $0Net income attributable to bank
  • $186Net charge-offs
  • $10Cash dividends
  • $31Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.70%Cost of funding earning assets
  • 3.49%Net interest margin
  • 5.21%Noninterest income to earning assets
  • 0.98%Noninterest expense to earning assets
  • 4.79%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 1.26%Return on equity (ROE)
  • 11.67%Retained earnings to average equity (YTD only)
  • 9.72%Net charge-offs to loans
  • 0.09%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 77,457Assets per employee
  • 1.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.67%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 83.82%Noncurrent assets plus other real estate owned to assets
  • 0.95%Noncurrent loans to loans
  • 1.70%Net loans and leases to deposits
  • 59.82%Net loans and leases to core deposits
  • 64.04%Equity capital to assets
  • 7.93%Core capital (leverage) ratio
  • 7.93%Tier 1 risk-based capital ratio
  • 12.72%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $21,621Average earning assets
  • $1,594Average equity
  • $19,584Average loans

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