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- Banks in Texas (TX)
- The Leonard National Bank
The Leonard National Bank in Leonard, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of December 31, 1994
- The Leonard National Bank in Leonard, Texas (TX)
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The Leonard National Bank - Overview
- General
- FDIC Certificate #: 3298
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: American Bank of Texas (#20473)
Federal Reserve ID: 1003259
Date Established: January 01, 1912
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 2135
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: December 31, 1994
Last Structure Change Process Date: January 04, 1995
Last Data Update: January 04, 1995
Data Source Date: April 05, 2012 - Location
- Address: Collins Street, Leonard, TX 75452
County: Fannin
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
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Bonham, TX (#14300)
CBSA Micro Statistical Area: Yes - Financial Summary
- Total assets: $14.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1993)
- Dollar figures in thousands
- 0Total employees (full-time equivalent)
- $10Total assets
- $13,313Cash and due from depository institutions
- $470Interest-bearing balances
- $0Securities
- $3,648Federal funds sold & reverse repurchase agreements
- $1,825Net loans & leases
- $6,774Loan loss allowance
- $171Trading account assets
- $0Bank premises and fixed assets
- $194Other real estate owned
- $303Goodwill and other intangibles
- $99Life insurance assets
- $0All other assets
- $0Total liabilities and capital
- $13,313Total liabilities
- $12,516Total deposits
- $12,440Interest-bearing deposits
- $10,493Deposits held in domestic offices
- 12440.00%% insured (estimated)
- $78Federal funds purchased & repurchase agreements
- $0Trading liabilities
- $0Other borrowed funds
- $0Subordinated debt
- $0All other liabilities
- $76Total equity capital
- $76Total bank equity capital
- $797Perpetual preferred stock
- $0Common stock
- $100Surplus
- $929Undivided profits
- Memoranda
- $-232Noncurrent loans and leases
- $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $108Income earned, not collected on loans
- $46Earning assets
- $12,247Long-term assets (5+ years)
- $1,516Average Assets, year-to-date
- $13,180Average Assets, quarterly
- $13,468Volatile liabilities
- $2,425Insider loans
- $296FHLB advances
- $0Loans and leases held for sale
- $0Unused loan commitments
- $173Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $797Total risk weighted assets
- $6,233Total unused commitments
- $0Restructured Loans and leases
- $0Derivatives
Income and Expense (December 31, 1993)
- Dollar figures in thousands
- $0Total interest income
- $930Total interest expense
- $314Net interest income
- $616Provision for loan and lease losses
- -$30Total noninterest income
- $132Fiduciary activities
- $0Service charges on deposit accounts
- $69Trading account gains & fees
- $0Additional noninterest income
- $63Total noninterest expense
- $682Salaries and employee benefits
- $264Premises and equipment expense
- $78Additional noninterest expense
- $340Pre-tax net operating income
- $96Securities gains (losses)
- $0Applicable income taxes
- $0Income before extraordinary items
- $96Extraordinary gains - net
- $0Net income attributable to bank
- $96Net charge-offs
- $74Cash dividends
- $0Sale, conversion, retirement of capital stock, net
- $0Net operating income
Performance and Condition Ratios (December 31, 1993)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 0.00%Yield on earning assets
- 7.68%Cost of funding earning assets
- 2.59%Net interest margin
- 5.09%Noninterest income to earning assets
- 1.09%Noninterest expense to earning assets
- 5.63%Net operating income to assets
- 0.73%Return on assets (ROA)
- 0.73%Pretax return on assets
- 0.73%Return on equity (ROE)
- 13.61%Retained earnings to average equity (YTD only)
- 13.61%Net charge-offs to loans
- 1.02%Credit loss provision to net charge-offs
- -40.54%Efficiency ratio
- 91,176Assets per employee
- 1.33%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 0.00%Loss allowance to loans
- 2.46%Loss allowance to noncurrent loans
- 158.33%Noncurrent assets plus other real estate owned to assets
- 3.09%Noncurrent loans to loans
- 1.56%Net loans and leases to deposits
- 54.45%Net loans and leases to core deposits
- 67.64%Equity capital to assets
- 5.99%Core capital (leverage) ratio
- 5.93%Tier 1 risk-based capital ratio
- 12.79%Total risk-based capital ratio
- Memoranda
- $14Average assets
- $13,180Average earning assets
- $706Average equity
- $12,105Average loans
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- Banks in Texas (TX)
- The Leonard National Bank
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