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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