Business Bank of Texas, N.A. in Austin, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Business Bank of Texas, N.A. in Austin, Texas (TX)
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Business Bank of Texas, N.A. - Overview

  • General
  • FDIC Certificate #: 58545
    Status: Active
    Federal Reserve ID: 3606971
    Date Established: August 06, 2007
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 455837
    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: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: August 06, 2007
    Last Structure Change Effective Date: August 06, 2007
    Last Structure Change Process Date: October 30, 2007
    Last Data Update: October 30, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1910 W. Braker Lane, Ste 100, Austin, TX 78758
    County: Travis
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Change in Chartering Agent
  • Financial Summary
  • Total assets: $79.6 mil
    Equity capital: $12.7 mil
    Deposits held in domestic offices: $43.0 mil
    Return on assets (ROA): 0.08% ($0.1 mil)
    Quarterly return on assets: -0.54% (-$0.4 mil)
    Return on Equity (ROE): 0.50% ($0.1 mil)
    Quarterly return on equity: -3.33% (-$0.4 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.08% ($63.7 mil)
    Quarterly Pretax return on assets: -0.54% (-$429.7 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
  • 8Total employees (full-time equivalent)
  • $79,582Total assets
  • $493Cash and due from depository institutions
  • $0Interest-bearing balances
  • $52,167Securities
  • $6,465Federal funds sold & reverse repurchase agreements
  • $17,626Net loans & leases
  • $192Loan loss allowance
  • $0Trading account assets
  • $168Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $79,582Life insurance assets
  • $2,663All other assets
  • $66,839Total liabilities and capital
  • $42,964Total liabilities
  • $32,651Total deposits
  • $42,964Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $23,800Trading liabilities
  • $0Other borrowed funds
  • $75Subordinated debt
  • $12,743All other liabilities
  • $12,743Total equity capital
  • $12,743Total bank equity capital
  • $0Perpetual preferred stock
  • $5,885Common stock
  • $6,056Surplus
  • $802Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $250Long-term assets (5+ years)
  • $76,258Average Assets, year-to-date
  • $53,567Average Assets, quarterly
  • $73,690Volatile liabilities
  • $79,553Insider loans
  • $26,174FHLB advances
  • $83,721Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,458Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,017Restructured Loans and leases
  • $3,446Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,428Total interest income
  • $606Total interest expense
  • $1,822Net interest income
  • $63Provision for loan and lease losses
  • $34Total noninterest income
  • $0Fiduciary activities
  • $34Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $1,797Total noninterest expense
  • $753Salaries and employee benefits
  • $276Premises and equipment expense
  • $768Additional noninterest expense
  • -$4Pre-tax net operating income
  • $63Securities gains (losses)
  • $0Applicable income taxes
  • $59Income before extraordinary items
  • $0Extraordinary gains - net
  • $59Net income attributable to bank
  • $0Net charge-offs
  • $59Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $59Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.45%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 2.59%Net interest margin
  • 0.05%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • 0.08%Return on assets (ROA)
  • 0.08%Pretax return on assets
  • 0.50%Return on equity (ROE)
  • 0.00%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 96,821Assets per employee
  • 9.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.00%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 41.03%Net loans and leases to core deposits
  • 42.33%Equity capital to assets
  • 16.01%Core capital (leverage) ratio
  • 14.88%Tier 1 risk-based capital ratio
  • 47.60%Total risk-based capital ratio
  • Memoranda
  • $48Average assets
  • $73,690Average earning assets
  • $11,839Average equity
  • $70,427Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0455837Business Bank Of Texas, N.A.1910 W. Braker Lane, Ste 100, Austin, TX 78758August 06, 2007Full Service Brick and Mortar

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