Winnsboro Bank and Trust in Winnsboro, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 01, 1997

  • Winnsboro Bank and Trust in Winnsboro, Texas (TX)
  • Show street view No street view available for this location

Winnsboro Bank and Trust - Overview

  • General
  • FDIC Certificate #: 22546
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The First National Bank of Winnsboro (#5590)
    Federal Reserve ID: 440062
    Date Established: November 04, 1977
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 13214
    FDIC's unique #: 15723
    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: November 04, 1977
    Last Structure Change Effective Date: May 01, 1997
    Last Structure Change Process Date: May 12, 1997
    Last Data Update: May 23, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 210 South Main Street, Winnsboro, TX 75494
    County: Wood
    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
  • Financial Summary
  • Total assets: $36.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $17Total assets
  • $37,382Cash and due from depository institutions
  • $2,207Interest-bearing balances
  • $838Securities
  • $10,923Federal funds sold & reverse repurchase agreements
  • $4,755Net loans & leases
  • $18,077Loan loss allowance
  • $469Trading account assets
  • $0Bank premises and fixed assets
  • $332Other real estate owned
  • $567Goodwill and other intangibles
  • $521Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $37,382Total liabilities
  • $32,749Total deposits
  • $32,292Interest-bearing deposits
  • $29,725Deposits held in domestic offices
  • 32292.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $115Subordinated debt
  • $0All other liabilities
  • $342Total equity capital
  • $342Total bank equity capital
  • $4,633Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $2,200Undivided profits
  • Memoranda
  • $1,933Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $958Income earned, not collected on loans
  • $244Earning assets
  • $34,593Long-term assets (5+ years)
  • $1,852Average Assets, year-to-date
  • $36,929Average Assets, quarterly
  • $37,319Volatile liabilities
  • $6,074Insider loans
  • $470FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $355Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,677Total risk weighted assets
  • $21,413Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,969Total interest expense
  • $1,440Net interest income
  • $1,529Provision for loan and lease losses
  • $153Total noninterest income
  • $310Fiduciary activities
  • $0Service charges on deposit accounts
  • $278Trading account gains & fees
  • $0Additional noninterest income
  • $32Total noninterest expense
  • $1,085Salaries and employee benefits
  • $485Premises and equipment expense
  • $138Additional noninterest expense
  • $462Pre-tax net operating income
  • $601Securities gains (losses)
  • $4Applicable income taxes
  • $170Income before extraordinary items
  • $435Extraordinary gains - net
  • $0Net income attributable to bank
  • $435Net charge-offs
  • $139Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.65%Cost of funding earning assets
  • 4.19%Net interest margin
  • 4.45%Noninterest income to earning assets
  • 0.90%Noninterest expense to earning assets
  • 3.16%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 1.64%Return on equity (ROE)
  • 9.85%Retained earnings to average equity (YTD only)
  • 9.62%Net charge-offs to loans
  • 0.74%Credit loss provision to net charge-offs
  • 110.07%Efficiency ratio
  • 58,999Assets per employee
  • 2.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.30%Loss allowance to loans
  • 2.53%Loss allowance to noncurrent loans
  • 48.96%Noncurrent assets plus other real estate owned to assets
  • 4.08%Noncurrent loans to loans
  • 5.17%Net loans and leases to deposits
  • 55.98%Net loans and leases to core deposits
  • 68.65%Equity capital to assets
  • 12.39%Core capital (leverage) ratio
  • 12.42%Tier 1 risk-based capital ratio
  • 21.84%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $36,929Average earning assets
  • $4,416Average equity
  • $34,329Average loans

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