FDIC Certificate #: 18275 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Financial Bank, National Association (#3066) Federal Reserve ID: 795650 Date Established: July 09, 1960 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) FDIC's unique #: 12191 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: July 09, 1960 Last Structure Change Effective Date: Febuary 01, 2005 Last Structure Change Process Date: April 15, 2005 Last Data Update: April 15, 2005 Data Source Date: April 05, 2012
Location
Address: 718 Elm Street, Clyde, TX 79510 County: Callahan 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 Core Based Statistical Area (CBSA): Abilene, TX (#10180) CBSA Metro Statistical Area: Abilene, TX (#10180)
Financial Summary
Total assets: $121.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
58Total employees (full-time equivalent)
$121,288Total assets
$13,587Cash and due from depository institutions
$8,514Interest-bearing balances
$34,668Securities
$13,050Federal funds sold & reverse repurchase agreements
$56,332Net loans & leases
$668Loan loss allowance
$0Trading account assets
$2,243Bank premises and fixed assets
$137Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,271All other assets
$121,288Total liabilities and capital
$108,343Total liabilities
$107,900Total deposits
$88,102Interest-bearing deposits
$107,900Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$443All other liabilities
$12,945Total equity capital
$12,945Total bank equity capital
$12,945Perpetual preferred stock
$0Common stock
$1,235Surplus
$7,952Undivided profits
Memoranda
$3,758Noncurrent loans and leases
$5,030Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$267Earning assets
$0Long-term assets (5+ years)
$762Average Assets, year-to-date
$112,564Average Assets, quarterly
$26,023Volatile liabilities
$115,972Insider loans
$118,351FHLB advances
$16,530Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,030Total unused commitments
$499Restructured Loans and leases
$668Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$5,512Total interest income
$993Total interest expense
$4,519Net interest income
$102Provision for loan and lease losses
$803Total noninterest income
$0Fiduciary activities
$697Service charges on deposit accounts
$0Trading account gains & fees
$106Additional noninterest income
$4,157Total noninterest expense
$2,774Salaries and employee benefits
$481Premises and equipment expense
$902Additional noninterest expense
$1,063Pre-tax net operating income
-$304Securities gains (losses)
$215Applicable income taxes
$544Income before extraordinary items
$0Extraordinary gains - net
$544Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$151Sale, conversion, retirement of capital stock, net
$370Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.11%Yield on earning assets
0.92%Cost of funding earning assets
4.19%Net interest margin
0.74%Noninterest income to earning assets
3.86%Noninterest expense to earning assets
0.66%Net operating income to assets
0.47%Return on assets (ROA)
0.65%Pretax return on assets
4.15%Return on equity (ROE)
1.33%Retained earnings to average equity (YTD only)
0.27%Net charge-offs to loans
67.55%Credit loss provision to net charge-offs
7.72%Efficiency ratio
78,110Assets per employee
2.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
68.01%Loss allowance to loans
1.17%Loss allowance to noncurrent loans
250.19%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.47%Net loans and leases to deposits
52.21%Net loans and leases to core deposits
61.65%Equity capital to assets
10.67%Core capital (leverage) ratio
10.07%Tier 1 risk-based capital ratio
20.24%Total risk-based capital ratio
Memoranda
$21Average assets
$115,972Average earning assets
$13,099Average equity
$107,814Average loans
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