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
    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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Austin County State Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents