The Oaks Bank & Trust Company in Dallas, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 30, 2005

  • The Oaks Bank & Trust Company in Dallas, Texas (TX)
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The Oaks Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 26264
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Premier Bank (#34016)
    Federal Reserve ID: 851556
    Date Established: May 16, 1985
    WWW: http://www.oaksbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 32624
    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: May 16, 1985
    Last Structure Change Effective Date: December 30, 2005
    Last Structure Change Process Date: Febuary 15, 2006
    Last Data Update: Febuary 15, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4849 Greenville Avenue, Dallas, TX 75206
    County: Dallas
    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
    Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
  • Financial Summary
  • Total assets: $152.8 mil

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

2000 - 2011 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, 2004)

  • Dollar figures in thousands
  • 36Total employees (full-time equivalent)
  • $108,341Total assets
  • $9,197Cash and due from depository institutions
  • $0Interest-bearing balances
  • $6,000Securities
  • $19,000Federal funds sold & reverse repurchase agreements
  • $72,298Net loans & leases
  • $730Loan loss allowance
  • $0Trading account assets
  • $1,050Bank premises and fixed assets
  • $56Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $740All other assets
  • $108,341Total liabilities and capital
  • $97,771Total liabilities
  • $97,202Total deposits
  • $47,549Interest-bearing deposits
  • $97,202Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $569All other liabilities
  • $10,570Total equity capital
  • $10,570Total bank equity capital
  • $10,570Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $7,000Undivided profits
  • Memoranda
  • $2,570Noncurrent loans and leases
  • $18,637Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $15Earning assets
  • $0Long-term assets (5+ years)
  • $412Average Assets, year-to-date
  • $97,298Average Assets, quarterly
  • $463Volatile liabilities
  • $103,309Insider loans
  • $109,395FHLB advances
  • $9,618Loans and leases held for sale
  • $554Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $18,637Total unused commitments
  • $0Restructured Loans and leases
  • $730Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $5,554Total interest income
  • $412Total interest expense
  • $5,142Net interest income
  • $137Provision for loan and lease losses
  • $1,482Total noninterest income
  • $17Fiduciary activities
  • $1,246Service charges on deposit accounts
  • $0Trading account gains & fees
  • $219Additional noninterest income
  • $4,134Total noninterest expense
  • $2,617Salaries and employee benefits
  • $609Premises and equipment expense
  • $908Additional noninterest expense
  • $2,353Pre-tax net operating income
  • $0Securities gains (losses)
  • $844Applicable income taxes
  • $1,509Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,509Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $1,070Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.02%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 5.57%Net interest margin
  • 1.61%Noninterest income to earning assets
  • 4.48%Noninterest expense to earning assets
  • 1.46%Net operating income to assets
  • 1.46%Return on assets (ROA)
  • 2.28%Pretax return on assets
  • 14.68%Return on equity (ROE)
  • 4.27%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 62,409Assets per employee
  • 3.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.91%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 4866.67%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 74.38%Net loans and leases to core deposits
  • 82.55%Equity capital to assets
  • 9.76%Core capital (leverage) ratio
  • 10.08%Tier 1 risk-based capital ratio
  • 13.41%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $103,309Average earning assets
  • $10,282Average equity
  • $92,281Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,919Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 48Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,919Other retirement accounts
  • $3,345Corporate trust and agency accounts
  • $574Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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