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Austin Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 98 | 1,731 |
| Assets and Liabilities | ||
| Total Assets: | $179,637,000 | 2,554 |
| Cash and due from depository institutions | $8,196,000 | 1,731 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $43,875,000 | 2,599 |
| Federal funds sold & reverse repurchase agreements | $14,500,000 | 1,123 |
| Net loans & leases | $100,597,000 | 2,749 |
| Loan loss allowance | $1,128,000 | 3,003 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $6,278,000 | 1,271 |
| Other real estate owned | $25,000 | 1,731 |
| Goodwill and other intangibles | $2,851,000 | 827 |
| All other assets | $3,315,000 | 2,243 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $179,637,000 | 2,554 |
| Total liabilities | $166,773,000 | 2,484 |
| Total deposits | $165,857,000 | 2,300 |
| Interest-bearing deposits | $140,451,000 | 2,331 |
| Deposits held in domestic offices | $165,857,000 | 2,293 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $916,000 | 3,787 |
| Total equity capital | $12,864,000 | 3,482 |
| Total bank equity capital | $12,864,000 | 3,482 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,425,000 | 1,565 |
| Surplus | $7,425,000 | 2,058 |
| Undivided profits | $3,014,000 | 5,883 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $644,000 | 3,352 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $766,000 | 3,021 |
| Earning assets | $158,972,000 | 2,665 |
| Long-term assets (5+ years) | $16,799,000 | 3,512 |
| Average Assets, year-to-date | $167,893,000 | 2,574 |
| Average Assets, quarterly | $175,907,500 | 2,560 |
| Volatile liabilities | $25,782,000 | 2,437 |
| Insider loans | $121,000 | 7,859 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $9,775,000 | 3,670 |
| Tier 1 (core) risk-based capital | $10,063,300 | 4,139 |
| Tier 2 risk-based capital | $1,128,000 | 2,736 |
| Total risk weighted assets | $110,201,900 | 2,581 |
| Total unused commitments | $9,775,000 | 3,677 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 99 | 1,784 |
| Assets and Liabilities | ||
| Total Assets: | $155,579,000 | 2,873 |
| Cash and due from depository institutions | $4,670,000 | 1,784 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $56,261,000 | 2,052 |
| Federal funds sold & reverse repurchase agreements | $7,700,000 | 1,804 |
| Net loans & leases | $76,066,000 | 3,545 |
| Loan loss allowance | $877,000 | 3,776 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $6,130,000 | 1,265 |
| Other real estate owned | $0 | 1,784 |
| Goodwill and other intangibles | $2,954,000 | 771 |
| All other assets | $1,798,000 | 3,833 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $155,579,000 | 2,873 |
| Total liabilities | $143,356,000 | 2,805 |
| Total deposits | $142,686,000 | 2,618 |
| Interest-bearing deposits | $120,329,000 | 2,662 |
| Deposits held in domestic offices | $142,686,000 | 2,612 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $670,000 | 4,821 |
| Total equity capital | $12,223,000 | 3,612 |
| Total bank equity capital | $12,223,000 | 3,612 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,425,000 | 1,546 |
| Surplus | $7,425,000 | 2,026 |
| Undivided profits | $2,373,000 | 6,692 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $388,000 | 4,694 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $602,000 | 3,951 |
| Earning assets | $140,027,000 | 2,941 |
| Long-term assets (5+ years) | $15,932,000 | 3,244 |
| Average Assets, year-to-date | $148,700,600 | 2,866 |
| Average Assets, quarterly | $154,263,000 | 2,852 |
| Volatile liabilities | $17,590,000 | 3,325 |
| Insider loans | $173,000 | 7,692 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $10,632,000 | 3,312 |
| Tier 1 (core) risk-based capital | $9,484,000 | 4,368 |
| Tier 2 risk-based capital | $877,000 | 3,303 |
| Total risk weighted assets | $93,354,300 | 2,960 |
| Total unused commitments | $10,632,000 | 3,314 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 73 | 2,579 |
| Assets and Liabilities | ||
| Total Assets: | $124,459,000 | 3,618 |
| Cash and due from depository institutions | $5,257,000 | 2,579 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $68,243,000 | 1,769 |
| Federal funds sold & reverse repurchase agreements | $4,500,000 | 2,827 |
| Net loans & leases | $39,412,000 | 5,922 |
| Loan loss allowance | $501,000 | 5,917 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $5,287,000 | 1,496 |
| Other real estate owned | $233,000 | 2,579 |
| Goodwill and other intangibles | $139,000 | 2,331 |
| All other assets | $1,388,000 | 4,899 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $124,459,000 | 3,618 |
| Total liabilities | $116,558,000 | 3,498 |
| Total deposits | $101,648,000 | 3,718 |
| Interest-bearing deposits | $82,832,000 | 3,921 |
| Deposits held in domestic offices | $101,648,000 | 3,705 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $14,496,000 | 963 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $414,000 | 6,660 |
| Total equity capital | $7,901,000 | 5,292 |
| Total bank equity capital | $7,901,000 | 5,292 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,425,000 | 1,610 |
| Surplus | $3,425,000 | 3,881 |
| Undivided profits | $2,051,000 | 7,188 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $266,000 | 5,942 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $327,000 | 6,541 |
| Earning assets | $112,155,000 | 3,684 |
| Long-term assets (5+ years) | $7,210,000 | 4,987 |
| Average Assets, year-to-date | $105,985,000 | 4,044 |
| Average Assets, quarterly | $113,099,500 | 3,905 |
| Volatile liabilities | $27,422,000 | 2,248 |
| Insider loans | $302,000 | 6,818 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $3,181,000 | 6,266 |
| Tier 1 (core) risk-based capital | $8,285,000 | 4,980 |
| Tier 2 risk-based capital | $501,000 | 5,252 |
| Total risk weighted assets | $58,395,200 | 4,487 |
| Total unused commitments | $3,181,000 | 6,281 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 46 | 4,150 |
| Assets and Liabilities | ||
| Total Assets: | $72,542,000 | 5,789 |
| Cash and due from depository institutions | $4,501,000 | 4,150 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $37,014,000 | 3,418 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $25,456,000 | 7,646 |
| Loan loss allowance | $315,000 | 7,892 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $4,562,000 | 1,686 |
| Other real estate owned | $51,000 | 4,150 |
| Goodwill and other intangibles | $181,000 | 2,071 |
| All other assets | $777,000 | 7,426 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $72,542,000 | 5,789 |
| Total liabilities | $66,329,000 | 5,696 |
| Total deposits | $64,467,000 | 5,622 |
| Interest-bearing deposits | $52,251,000 | 5,894 |
| Deposits held in domestic offices | $64,467,000 | 5,612 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,500,000 | 2,397 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $362,000 | 7,577 |
| Total equity capital | $6,213,000 | 6,398 |
| Total bank equity capital | $6,213,000 | 6,398 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,425,000 | 1,648 |
| Surplus | $2,425,000 | 4,890 |
| Undivided profits | $1,363,000 | 8,567 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $252,000 | 6,076 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $221,000 | 8,409 |
| Earning assets | $62,470,000 | 6,058 |
| Long-term assets (5+ years) | $6,163,000 | 5,271 |
| Average Assets, year-to-date | $71,654,200 | 5,643 |
| Average Assets, quarterly | $72,417,500 | 5,736 |
| Volatile liabilities | $8,855,000 | 4,937 |
| Insider loans | $65,000 | 9,641 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $2,460,000 | 6,887 |
| Tier 1 (core) risk-based capital | $6,127,000 | 6,339 |
| Tier 2 risk-based capital | $315,000 | 7,137 |
| Total risk weighted assets | $36,973,300 | 6,309 |
| Total unused commitments | $2,460,000 | 6,901 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 35 | 5,491 |
| Assets and Liabilities | ||
| Total Assets: | $68,702,000 | 6,005 |
| Cash and due from depository institutions | $5,371,000 | 5,491 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $32,676,000 | 3,970 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $25,672,000 | 7,706 |
| Loan loss allowance | $325,000 | 8,053 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $3,544,000 | 2,099 |
| Other real estate owned | $0 | 5,491 |
| Goodwill and other intangibles | $222,000 | 1,864 |
| All other assets | $1,217,000 | 5,840 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $68,702,000 | 6,005 |
| Total liabilities | $63,911,000 | 5,877 |
| Total deposits | $63,781,000 | 5,641 |
| Interest-bearing deposits | $47,871,000 | 6,287 |
| Deposits held in domestic offices | $63,781,000 | 5,634 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $130,000 | 10,440 |
| Total equity capital | $4,791,000 | 7,344 |
| Total bank equity capital | $4,791,000 | 7,344 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,425,000 | 1,690 |
| Surplus | $2,425,000 | 4,867 |
| Undivided profits | $-59,000 | 11,674 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $404,000 | 4,856 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $219,000 | 8,074 |
| Earning assets | $58,348,000 | 6,341 |
| Long-term assets (5+ years) | $7,249,000 | 4,995 |
| Average Assets, year-to-date | $70,766,000 | 5,762 |
| Average Assets, quarterly | $68,267,000 | 5,999 |
| Volatile liabilities | $7,111,000 | 5,490 |
| Insider loans | $0 | 11,229 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $2,130,000 | 7,304 |
| Tier 1 (core) risk-based capital | $5,875,000 | 6,462 |
| Tier 2 risk-based capital | $325,000 | 7,152 |
| Total risk weighted assets | $36,662,200 | 6,294 |
| Total unused commitments | $2,130,000 | 7,318 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 34 | 5,844 |
| Assets and Liabilities | ||
| Total Assets: | $73,073,000 | 5,853 |
| Cash and due from depository institutions | $4,954,000 | 5,844 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $29,393,000 | 4,564 |
| Federal funds sold & reverse repurchase agreements | $6,500,000 | 2,136 |
| Net loans & leases | $28,169,000 | 7,297 |
| Loan loss allowance | $388,000 | 7,558 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $3,217,000 | 2,278 |
| Other real estate owned | $0 | 5,844 |
| Goodwill and other intangibles | $264,000 | 1,686 |
| All other assets | $576,000 | 8,707 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $73,073,000 | 5,853 |
| Total liabilities | $66,690,000 | 5,824 |
| Total deposits | $66,487,000 | 5,646 |
| Interest-bearing deposits | $50,995,000 | 6,250 |
| Deposits held in domestic offices | $66,487,000 | 5,636 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $203,000 | 9,212 |
| Total equity capital | $6,383,000 | 6,072 |
| Total bank equity capital | $6,383,000 | 6,072 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,425,000 | 1,706 |
| Surplus | $2,425,000 | 4,818 |
| Undivided profits | $1,533,000 | 8,342 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $465,000 | 5,104 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $224,000 | 7,579 |
| Earning assets | $64,062,000 | 6,074 |
| Long-term assets (5+ years) | $7,094,000 | 5,369 |
| Average Assets, year-to-date | $73,376,400 | 5,693 |
| Average Assets, quarterly | $72,325,000 | 5,846 |
| Volatile liabilities | $6,997,000 | 5,308 |
| Insider loans | $80,000 | 10,084 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $816,000 | 9,667 |
| Tier 1 (core) risk-based capital | $6,119,000 | 6,216 |
| Tier 2 risk-based capital | $388,000 | 6,432 |
| Total risk weighted assets | $38,372,200 | 6,089 |
| Total unused commitments | $816,000 | 9,692 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 33 | 6,105 |
| Assets and Liabilities | ||
| Total Assets: | $75,087,000 | 5,781 |
| Cash and due from depository institutions | $8,592,000 | 6,105 |
| Interest-bearing balances | $500,000 | 4,862 |
| Securities | $27,710,000 | 4,782 |
| Federal funds sold & reverse repurchase agreements | $4,000,000 | 3,970 |
| Net loans & leases | $30,135,000 | 7,035 |
| Loan loss allowance | $635,000 | 5,411 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $3,273,000 | 2,257 |
| Other real estate owned | $237,000 | 6,105 |
| Goodwill and other intangibles | $306,000 | 1,594 |
| All other assets | $834,000 | 7,180 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $75,087,000 | 5,781 |
| Total liabilities | $69,217,000 | 5,720 |
| Total deposits | $68,866,000 | 5,570 |
| Interest-bearing deposits | $52,512,000 | 6,213 |
| Deposits held in domestic offices | $68,866,000 | 5,561 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $351,000 | 7,448 |
| Total equity capital | $5,870,000 | 6,266 |
| Total bank equity capital | $5,870,000 | 6,266 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,425,000 | 1,759 |
| Surplus | $2,425,000 | 4,765 |
| Undivided profits | $1,020,000 | 9,529 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $633,000 | 4,913 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $260,000 | 7,323 |
| Earning assets | $62,345,000 | 6,261 |
| Long-term assets (5+ years) | $9,861,000 | 4,377 |
| Average Assets, year-to-date | $74,672,000 | 5,681 |
| Average Assets, quarterly | $73,943,500 | 5,805 |
| Volatile liabilities | $6,934,000 | 5,327 |
| Insider loans | $225,000 | 3,647 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $985,000 | 9,193 |
| Tier 1 (core) risk-based capital | $5,564,000 | 6,490 |
| Tier 2 risk-based capital | $517,000 | 5,067 |
| Total risk weighted assets | $41,241,800 | 5,794 |
| Total unused commitments | $985,000 | 9,220 |
| Derivatives | $0 | 651 |