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
No
ID
Name
Address
Established
Service Type
Map
0
453846
Austin County State Bank
436 South Front Street, Bellville, TX 77418
June 26, 2007
Full Service Brick and Mortar
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