Coleman County State Bank in Coleman, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Coleman County State Bank - Overview

  • General
  • FDIC Certificate #: 15480
    Status: Active
    Federal Reserve ID: 761954
    Bank Holding Company (Regulatory Top Holder): Coleman Bancshares, Inc. (RSSDID: 1107072, Location: Coleman, TX)
    Date Established: October 15, 1936
    WWW: http://www.colemanbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 9785
    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: April 01, 1937
    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: 118 West Pecan Street, Coleman, TX 76834
    County: Coleman
    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: $78.5 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $70.4 mil
    Return on assets (ROA): 1.83% ($1.4 mil)
    Quarterly return on assets: 1.54% ($1.2 mil)
    Return on Equity (ROE): 18.53% ($1.5 mil)
    Quarterly return on equity: 15.28% ($1.2 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.83% ($1,436.9 mil)
    Quarterly Pretax return on assets: 1.54% ($1,209.2 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
  • 30Total employees (full-time equivalent)
  • $78,520Total assets
  • $5,872Cash and due from depository institutions
  • $4,007Interest-bearing balances
  • $8,012Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $61,501Net loans & leases
  • $596Loan loss allowance
  • $0Trading account assets
  • $1,885Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $78,520Life insurance assets
  • $1,250All other assets
  • $70,556Total liabilities and capital
  • $70,351Total liabilities
  • $51,011Total deposits
  • $70,351Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $205Subordinated debt
  • $7,964All other liabilities
  • $7,964Total equity capital
  • $7,964Total bank equity capital
  • $0Perpetual preferred stock
  • $375Common stock
  • $5,125Surplus
  • $2,464Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $203Income earned, not collected on loans
  • $0Earning assets
  • $469Long-term assets (5+ years)
  • $73,520Average Assets, year-to-date
  • $19,141Average Assets, quarterly
  • $75,360Volatile liabilities
  • $78,844Insider loans
  • $60,279FHLB advances
  • $79,896Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,937Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,377Restructured Loans and leases
  • $480Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,947Total interest income
  • $478Total interest expense
  • $3,469Net interest income
  • $82Provision for loan and lease losses
  • $650Total noninterest income
  • $0Fiduciary activities
  • $363Service charges on deposit accounts
  • $0Trading account gains & fees
  • $287Additional noninterest income
  • $2,759Total noninterest expense
  • $1,501Salaries and employee benefits
  • $377Premises and equipment expense
  • $881Additional noninterest expense
  • $1,278Pre-tax net operating income
  • $102Securities gains (losses)
  • $0Applicable income taxes
  • $1,380Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,380Net income attributable to bank
  • $0Net charge-offs
  • $1,380Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $864Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 4.95%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.94%Noninterest expense to earning assets
  • 1.70%Net operating income to assets
  • 1.83%Return on assets (ROA)
  • 1.83%Pretax return on assets
  • 18.53%Return on equity (ROE)
  • 6.93%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 8200.00%Credit loss provision to net charge-offs
  • 1360.00%Efficiency ratio
  • 66,982Assets per employee
  • 2.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.61%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 293.60%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 87.42%Net loans and leases to core deposits
  • 90.15%Equity capital to assets
  • 10.14%Core capital (leverage) ratio
  • 9.93%Tier 1 risk-based capital ratio
  • 13.17%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $75,360Average earning assets
  • $7,448Average equity
  • $70,110Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09785Coleman County State Bank118 West Pecan Street, Coleman, TX 76834October 15, 1936Full Service Brick and Mortar
    1234119Drive-In Branch118 West Pecan, Coleman, TX 76834October 08, 1960Limited Service Facility
    2357362Www.Colemanbank.comWww.Colemanbank.com, Coleman, TX 76834June 30, 2000Full Service Cyber
    3426516Coleman County Branch4609 Southwest Drive, Abilene, TX 79606March 02, 2004Full Service Brick and Mortar

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