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


Columbus State Bank - Overview

  • General
  • FDIC Certificate #: 12305
    Status: Active
    Federal Reserve ID: 891253
    Bank Holding Company (Regulatory Top Holder): Central Texas Bankshare Holdings, Inc. (RSSDID: 2100119, Location: Columbus, TX)
    Date Established: August 19, 1919
    WWW: http://www.columbussate.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11963
    FDIC's unique #: 7823
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural 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: 1102 Milam Street, Columbus, TX 78934
    County: Colorado
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $78.9 mil
    Equity capital: $11.4 mil
    Deposits held in domestic offices: $67.2 mil
    Return on assets (ROA): 0.76% ($0.6 mil)
    Quarterly return on assets: 0.69% ($0.5 mil)
    Return on Equity (ROE): 5.51% ($0.6 mil)
    Quarterly return on equity: 4.89% ($0.5 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.03% ($813.1 mil)
    Quarterly Pretax return on assets: 0.91% ($718.4 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
  • 14Total employees (full-time equivalent)
  • $78,942Total assets
  • $5,817Cash and due from depository institutions
  • $1,000Interest-bearing balances
  • $58,028Securities
  • $5,410Federal funds sold & reverse repurchase agreements
  • $8,274Net loans & leases
  • $250Loan loss allowance
  • $0Trading account assets
  • $182Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $78,942Life insurance assets
  • $1,231All other assets
  • $67,511Total liabilities and capital
  • $67,191Total liabilities
  • $46,874Total deposits
  • $67,191Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $114Trading liabilities
  • $0Other borrowed funds
  • $206Subordinated debt
  • $11,431All other liabilities
  • $11,431Total equity capital
  • $11,431Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $5,000Surplus
  • $5,831Undivided 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
  • $736Long-term assets (5+ years)
  • $72,712Average Assets, year-to-date
  • $25,835Average Assets, quarterly
  • $81,416Volatile liabilities
  • $80,166Insider loans
  • $47,262FHLB advances
  • $81,284Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,431Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,165Restructured Loans and leases
  • $374Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,469Total interest income
  • $334Total interest expense
  • $2,135Net interest income
  • $0Provision for loan and lease losses
  • $195Total noninterest income
  • $0Fiduciary activities
  • $123Service charges on deposit accounts
  • $0Trading account gains & fees
  • $72Additional noninterest income
  • $1,497Total noninterest expense
  • $744Salaries and employee benefits
  • $204Premises and equipment expense
  • $549Additional noninterest expense
  • $833Pre-tax net operating income
  • $3Securities gains (losses)
  • $214Applicable income taxes
  • $622Income before extraordinary items
  • $0Extraordinary gains - net
  • $622Net income attributable to bank
  • $0Net charge-offs
  • $622Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $385Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.27%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 2.82%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 1.98%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 5.51%Return on equity (ROE)
  • 2.10%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
  • 64,249Assets per employee
  • 5.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.90%Loss allowance to loans
  • 2.93%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
  • 12.31%Net loans and leases to core deposits
  • 13.28%Equity capital to assets
  • 14.48%Core capital (leverage) ratio
  • 14.06%Tier 1 risk-based capital ratio
  • 24.19%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $81,416Average earning assets
  • $11,298Average equity
  • $75,602Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07823Columbus State Bank1102 Milam Street, Columbus, TX 78934August 19, 1919Full Service Brick and Mortar
    1226834Drive-In Facility505 Spring Street, Columbus, TX 78934April 06, 1981Limited Service Facility

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