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
Corrections
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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