Bank Texas, National Association in Quitman, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank Texas, National Association - Overview

  • General
  • FDIC Certificate #: 3402
    Status: Active
    Federal Reserve ID: 24668
    Bank Holding Company (Regulatory Top Holder): Bt Holdings, Inc. (RSSDID: 3488681, Location: Quitman, TX)
    Date Established: October 21, 1914
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Domestic: 9, Interstate: No)
    FDIC's unique #: 2216
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 412 East Goode Street, Quitman, TX 75783
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $211.5 mil
    Equity capital: $21.4 mil
    Deposits held in domestic offices: $181.1 mil
    Return on assets (ROA): 0.76% ($1.6 mil)
    Quarterly return on assets: 0.82% ($1.7 mil)
    Return on Equity (ROE): 7.43% ($1.6 mil)
    Quarterly return on equity: 8.05% ($1.7 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.84% ($1,776.4 mil)
    Quarterly Pretax return on assets: 0.91% ($1,924.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 73Total employees (full-time equivalent)
  • $211,477Total assets
  • $12,449Cash and due from depository institutions
  • $3,783Interest-bearing balances
  • $65,640Securities
  • $8,450Federal funds sold & reverse repurchase agreements
  • $112,877Net loans & leases
  • $1,461Loan loss allowance
  • $0Trading account assets
  • $8,170Bank premises and fixed assets
  • $211Other real estate owned
  • $486Goodwill and other intangibles
  • $211,477Life insurance assets
  • $3,194All other assets
  • $190,080Total liabilities and capital
  • $181,053Total liabilities
  • $139,621Total deposits
  • $181,053Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 6570.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $457Subordinated debt
  • $21,397All other liabilities
  • $21,397Total equity capital
  • $21,397Total bank equity capital
  • $0Perpetual preferred stock
  • $625Common stock
  • $625Surplus
  • $20,147Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $63Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4Income earned, not collected on loans
  • $0Earning assets
  • $1,365Long-term assets (5+ years)
  • $190,750Average Assets, year-to-date
  • $63,871Average Assets, quarterly
  • $200,588Volatile liabilities
  • $207,707Insider loans
  • $123,878FHLB advances
  • $204,388Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,646Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,879Restructured Loans and leases
  • $931Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,650Total interest income
  • $1,299Total interest expense
  • $7,351Net interest income
  • $51Provision for loan and lease losses
  • $1,885Total noninterest income
  • $0Fiduciary activities
  • $1,297Service charges on deposit accounts
  • $0Trading account gains & fees
  • $588Additional noninterest income
  • $7,545Total noninterest expense
  • $3,652Salaries and employee benefits
  • $1,186Premises and equipment expense
  • $2,707Additional noninterest expense
  • $1,640Pre-tax net operating income
  • $38Securities gains (losses)
  • $156Applicable income taxes
  • $1,522Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,522Net income attributable to bank
  • $0Net charge-offs
  • $1,522Cash dividends
  • $56Sale, conversion, retirement of capital stock, net
  • $594Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.06%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 4.17%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 7.43%Return on equity (ROE)
  • 4.53%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 91.07%Credit loss provision to net charge-offs
  • 30.20%Efficiency ratio
  • 81,691Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.03%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 36525.00%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 62.34%Net loans and leases to core deposits
  • 67.24%Equity capital to assets
  • 10.12%Core capital (leverage) ratio
  • 9.61%Tier 1 risk-based capital ratio
  • 15.86%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $200,588Average earning assets
  • $20,484Average equity
  • $180,923Average loans

List of branches

  • 9 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02216Bank Texas, National Association412 East Goode Street, Quitman, TX 75783October 21, 1914Full Service Brick and Mortar
    1196397Wal-Mart Branch135 North East Loop 564, Mineola, TX 75773October 25, 1996Full Service Retail
    2356976Holly Lake Ranch2365 South Fm 2869, Hawkins, TX 75765June 22, 2000Full Service Brick and Mortar
    4279366Mineola Branch1825 North Pacific Street, Mineola, TX 75773January 01, 1944Full Service Brick and Mortar
    6492719Kilgore Office Branch4405 Highway42 North, Kilgore, TX 75662October 18, 2008Full Service Retail
    7492720Lindale Bank Store Branch3222 South Main, Building A, Lindale, TX 75771December 26, 2008Full Service Brick and Mortar
    8520281Tyler Branch2096 Three Lakes Pkwy, Tyler, TX 75703May 13, 2011Full Service Brick and Mortar
    9527022Winnsboro Branch210 South Main Street, Winnsboro, TX 75494October 15, 2011Full Service Brick and Mortar
    10527730Longview Branch412 East Goode Street, Longview, TX 75601November 28, 2011Full Service Brick and Mortar

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