Austin County State Bank in Bellville, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Austin County State Bank - Overview

  • General
  • FDIC Certificate #: 58484
    Status: Active
    Federal Reserve ID: 3463875
    Bank Holding Company (Regulatory Top Holder): Austin County Bancshares, Inc. (RSSDID: 4230216, Location: Bellville, TX)
    Date Established: June 26, 2007
    WWW: http://www.acsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 453846
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 26, 2007
    Last Structure Change Effective Date: July 23, 2007
    Last Structure Change Process Date: July 23, 2007
    Last Data Update: July 23, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 436 South Front Street, Bellville, TX 77418
    County: Austin
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $79.0 mil
    Equity capital: $7.5 mil
    Deposits held in domestic offices: $70.9 mil
    Return on assets (ROA): 1.12% ($0.9 mil)
    Quarterly return on assets: 0.97% ($0.8 mil)
    Return on Equity (ROE): 11.39% ($0.8 mil)
    Quarterly return on equity: 9.98% ($0.7 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.12% ($885.2 mil)
    Quarterly Pretax return on assets: 0.97% ($766.6 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, 2011)

  • Dollar figures in thousands
  • 14Total employees (full-time equivalent)
  • $79,033Total assets
  • $12,637Cash and due from depository institutions
  • $10,498Interest-bearing balances
  • $18,179Securities
  • $105Federal funds sold & reverse repurchase agreements
  • $46,787Net loans & leases
  • $725Loan loss allowance
  • $0Trading account assets
  • $369Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $79,032Life insurance assets
  • $956All other assets
  • $71,560Total liabilities and capital
  • $70,936Total liabilities
  • $60,808Total deposits
  • $70,936Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $481Trading liabilities
  • $0Other borrowed funds
  • $143Subordinated debt
  • $7,472All other liabilities
  • $7,472Total equity capital
  • $7,472Total bank equity capital
  • $0Perpetual preferred stock
  • $608Common stock
  • $5,661Surplus
  • $1,203Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $42Income earned, not collected on loans
  • $0Earning assets
  • $384Long-term assets (5+ years)
  • $75,569Average Assets, year-to-date
  • $12,632Average Assets, quarterly
  • $71,674Volatile liabilities
  • $76,084Insider loans
  • $45,004FHLB advances
  • $76,650Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,086Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,719Restructured Loans and leases
  • $798Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,560Total interest income
  • $644Total interest expense
  • $2,916Net interest income
  • $240Provision for loan and lease losses
  • $231Total noninterest income
  • $0Fiduciary activities
  • $192Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $2,116Total noninterest expense
  • $1,011Salaries and employee benefits
  • $279Premises and equipment expense
  • $826Additional noninterest expense
  • $791Pre-tax net operating income
  • $11Securities gains (losses)
  • $0Applicable income taxes
  • $802Income before extraordinary items
  • $0Extraordinary gains - net
  • $802Net income attributable to bank
  • $0Net charge-offs
  • $802Cash dividends
  • $209Sale, conversion, retirement of capital stock, net
  • $208Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 3.08%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 11.39%Return on equity (ROE)
  • 8.44%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 114.83%Credit loss provision to net charge-offs
  • 4.93%Efficiency ratio
  • 67,239Assets per employee
  • 5.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.94%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 1726.19%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.09%Net loans and leases to deposits
  • 65.96%Net loans and leases to core deposits
  • 74.29%Equity capital to assets
  • 9.45%Core capital (leverage) ratio
  • 9.24%Tier 1 risk-based capital ratio
  • 15.75%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $71,674Average earning assets
  • $7,041Average equity
  • $68,716Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0453846Austin County State Bank436 South Front Street, Bellville, TX 77418June 26, 2007Full Service Brick and Mortar

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