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


Crowell State Bank - Overview

  • General
  • FDIC Certificate #: 10352
    Status: Active
    Federal Reserve ID: 701857
    Bank Holding Company (Regulatory Top Holder): Crowell Bancshares, Inc. (RSSDID: 1894998, Location: Crowell, TX)
    Date Established: December 28, 1931
    WWW: http://www.crowellstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 14754
    FDIC's unique #: 6630
    Numeric code: 13
    Regulator: FED
    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: Yes
    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: 100 East Commerce St., Crowell, TX 79227
    County: Foard
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
    Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $31.5 mil
    Equity capital: $3.1 mil
    Deposits held in domestic offices: $28.0 mil
    Return on assets (ROA): 0.90% ($0.3 mil)
    Quarterly return on assets: -0.32% (-$0.1 mil)
    Return on Equity (ROE): 8.78% ($0.3 mil)
    Quarterly return on equity: -3.17% (-$0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.90% ($283.7 mil)
    Quarterly Pretax return on assets: -0.32% (-$100.9 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
  • 12Total employees (full-time equivalent)
  • $31,525Total assets
  • $6,841Cash and due from depository institutions
  • $4,343Interest-bearing balances
  • $5,797Securities
  • $1,885Federal funds sold & reverse repurchase agreements
  • $15,061Net loans & leases
  • $222Loan loss allowance
  • $0Trading account assets
  • $299Bank premises and fixed assets
  • $330Other real estate owned
  • $0Goodwill and other intangibles
  • $31,525Life insurance assets
  • $1,312All other assets
  • $28,442Total liabilities and capital
  • $28,036Total liabilities
  • $16,806Total deposits
  • $28,036Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $406Subordinated debt
  • $3,083All other liabilities
  • $3,083Total equity capital
  • $3,083Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $900Surplus
  • $2,083Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $381Income earned, not collected on loans
  • $0Earning assets
  • $185Long-term assets (5+ years)
  • $27,086Average Assets, year-to-date
  • $4,272Average Assets, quarterly
  • $30,565Volatile liabilities
  • $31,291Insider loans
  • $18,637FHLB advances
  • $31,716Loans and leases held for sale
  • $869Unused loan commitments
  • $869Tier 1 (core) risk-based capital
  • $3,041Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,215Restructured Loans and leases
  • $565Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,314Total interest income
  • $176Total interest expense
  • $1,138Net interest income
  • $28Provision for loan and lease losses
  • $389Total noninterest income
  • $0Fiduciary activities
  • $307Service charges on deposit accounts
  • $0Trading account gains & fees
  • $82Additional noninterest income
  • $1,225Total noninterest expense
  • $733Salaries and employee benefits
  • $107Premises and equipment expense
  • $385Additional noninterest expense
  • $274Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $274Income before extraordinary items
  • $0Extraordinary gains - net
  • $274Net income attributable to bank
  • $0Net charge-offs
  • $274Cash dividends
  • $37Sale, conversion, retirement of capital stock, net
  • $176Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 4.45%Net interest margin
  • 1.52%Noninterest income to earning assets
  • 4.79%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 8.78%Return on equity (ROE)
  • 3.14%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 75.68%Credit loss provision to net charge-offs
  • 8.16%Efficiency ratio
  • 80,223Assets per employee
  • 2.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.23%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 58.27%Noncurrent assets plus other real estate owned to assets
  • 2.26%Noncurrent loans to loans
  • 2.49%Net loans and leases to deposits
  • 53.72%Net loans and leases to core deposits
  • 57.65%Equity capital to assets
  • 9.78%Core capital (leverage) ratio
  • 9.59%Tier 1 risk-based capital ratio
  • 16.32%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $30,565Average earning assets
  • $3,121Average equity
  • $25,568Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06630Crowell State Bank100 East Commerce St., Crowell, TX 79227December 28, 1931Full Service Brick and Mortar

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