FDIC Certificate #: 26545 Status: Inactive Closing history: Consolidated - Without Assistance Acquiring institution:State National Bank of Texas (#3270) Federal Reserve ID: 214067 Date Established: Febuary 03, 1986 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) FDIC's unique #: 35234 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: Febuary 03, 1986 Last Structure Change Effective Date: May 13, 1999 Last Structure Change Process Date: June 04, 1999 Last Data Update: June 04, 1999 Data Source Date: April 05, 2012
Location
Address: U.S. Highway 281 And St. Mary's Street, Windthorst, TX 76389 County: Archer 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): Wichita Falls, TX (#9080) Core Based Statistical Area (CBSA): Wichita Falls, TX (#48660) CBSA Metro Statistical Area: Wichita Falls, TX (#48660)
Financial Summary
Total assets: $29.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
15Total employees (full-time equivalent)
$29,444Total assets
$2,285Cash and due from depository institutions
$200Interest-bearing balances
$9,901Securities
$3,775Federal funds sold & reverse repurchase agreements
$12,485Net loans & leases
$214Loan loss allowance
$0Trading account assets
$662Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$336All other assets
$29,444Total liabilities and capital
$27,026Total liabilities
$26,614Total deposits
$21,247Interest-bearing deposits
$26,614Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$412All other liabilities
$2,418Total equity capital
$2,418Total bank equity capital
$2,418Perpetual preferred stock
$0Common stock
$775Surplus
$775Undivided profits
Memoranda
$868Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$118Average Assets, year-to-date
$26,361Average Assets, quarterly
$3,353Volatile liabilities
$28,899Insider loans
$28,447FHLB advances
$5,910Loans and leases held for sale
$1,629Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$838Total unused commitments
$0Restructured Loans and leases
$15,740Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$1,981Total interest income
$857Total interest expense
$1,124Net interest income
$68Provision for loan and lease losses
$166Total noninterest income
$0Fiduciary activities
$148Service charges on deposit accounts
$0Trading account gains & fees
$18Additional noninterest income
$948Total noninterest expense
$461Salaries and employee benefits
$192Premises and equipment expense
$295Additional noninterest expense
$274Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$274Income before extraordinary items
$0Extraordinary gains - net
$274Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$7Sale, conversion, retirement of capital stock, net
$229Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.64%Yield on earning assets
3.31%Cost of funding earning assets
4.33%Net interest margin
0.64%Noninterest income to earning assets
3.66%Noninterest expense to earning assets
0.95%Net operating income to assets
0.95%Return on assets (ROA)
0.95%Pretax return on assets
11.19%Return on equity (ROE)
1.84%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
971.43%Credit loss provision to net charge-offs
48.86%Efficiency ratio
73,488Assets per employee
1.96%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.58%Loss allowance to loans
1.69%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
46.91%Net loans and leases to core deposits
60.30%Equity capital to assets
8.21%Core capital (leverage) ratio
8.59%Tier 1 risk-based capital ratio
15.36%Total risk-based capital ratio
Memoranda
$17Average assets
$28,899Average earning assets
$2,448Average equity
$25,929Average loans
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