Bridge City State Bank in Bridge City, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bridge City State Bank - Overview

  • General
  • FDIC Certificate #: 18155
    Status: Active
    Federal Reserve ID: 43959
    Bank Holding Company (Regulatory Top Holder): Amtex Bancshares, Inc. (RSSDID: 1131899, Location: Orange, TX)
    Date Established: Febuary 27, 1960
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 12076
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 27, 1960
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 21, 2010
    Last Data Update: June 21, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 701 West Round Bunch Road, Bridge City, TX 77611
    County: Orange
    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
    Metropolitan Statistical Area (MSA): Beaumont-Port Arthur, TX (#840)
    Core Based Statistical Area (CBSA): Beaumont-Port Arthur, TX (#13140)
    CBSA Metro Statistical Area: Beaumont-Port Arthur, TX (#13140)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $124.1 mil
    Equity capital: $14.1 mil
    Deposits held in domestic offices: $109.3 mil
    Return on assets (ROA): 0.94% ($1.2 mil)
    Quarterly return on assets: 0.93% ($1.2 mil)
    Return on Equity (ROE): 8.34% ($1.2 mil)
    Quarterly return on equity: 8.14% ($1.1 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.29% ($1,600.5 mil)
    Quarterly Pretax return on assets: 1.14% ($1,414.4 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
  • 34Total employees (full-time equivalent)
  • $124,071Total assets
  • $8,089Cash and due from depository institutions
  • $1,763Interest-bearing balances
  • $55,022Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $56,584Net loans & leases
  • $930Loan loss allowance
  • $0Trading account assets
  • $2,639Bank premises and fixed assets
  • $664Other real estate owned
  • $0Goodwill and other intangibles
  • $124,071Life insurance assets
  • $1,073All other assets
  • $109,949Total liabilities and capital
  • $109,316Total liabilities
  • $82,736Total deposits
  • $109,316Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $633Subordinated debt
  • $14,122All other liabilities
  • $14,122Total equity capital
  • $14,122Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $5,000Surplus
  • $8,122Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,007Income earned, not collected on loans
  • $0Earning assets
  • $504Long-term assets (5+ years)
  • $113,369Average Assets, year-to-date
  • $39,581Average Assets, quarterly
  • $121,773Volatile liabilities
  • $124,275Insider loans
  • $67,337FHLB advances
  • $122,168Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,436Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,959Restructured Loans and leases
  • $1,636Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,250Total interest income
  • $646Total interest expense
  • $4,604Net interest income
  • $150Provision for loan and lease losses
  • $741Total noninterest income
  • $0Fiduciary activities
  • $517Service charges on deposit accounts
  • $0Trading account gains & fees
  • $224Additional noninterest income
  • $3,875Total noninterest expense
  • $1,949Salaries and employee benefits
  • $401Premises and equipment expense
  • $1,525Additional noninterest expense
  • $1,320Pre-tax net operating income
  • $256Securities gains (losses)
  • $428Applicable income taxes
  • $1,148Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,148Net income attributable to bank
  • $0Net charge-offs
  • $1,148Cash dividends
  • $106Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 8.34%Return on equity (ROE)
  • 5.43%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 141.51%Credit loss provision to net charge-offs
  • 13.87%Efficiency ratio
  • 72,498Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.84%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 46.34%Noncurrent assets plus other real estate owned to assets
  • 2.15%Noncurrent loans to loans
  • 3.49%Net loans and leases to deposits
  • 51.76%Net loans and leases to core deposits
  • 54.02%Equity capital to assets
  • 11.38%Core capital (leverage) ratio
  • 11.00%Tier 1 risk-based capital ratio
  • 19.95%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $121,773Average earning assets
  • $13,773Average equity
  • $112,795Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012076Bridge City State Bank701 West Round Bunch Road, Bridge City, TX 77611Febuary 27, 1960Full Service Brick and Mortar
    2495548Orange Branch57 Strickland Dr., Orange, TX 77630June 01, 2009Full Service Brick and Mortar

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