Cypress Bank, SSB in Pittsburg, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Cypress Bank, SSB in Pittsburg, Texas (TX)
  • Show street view No street view available for this location

Cypress Bank, SSB - Overview

  • General
  • FDIC Certificate #: 31905
    Status: Active
    Federal Reserve ID: 729178
    Date Established: January 01, 1976
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 7589
    FDIC's unique #: 44739
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: September 27, 1977
    Last Structure Change Effective Date: October 01, 2011
    Last Structure Change Process Date: Febuary 07, 2012
    Last Data Update: Febuary 07, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 120 South Greer Blvd, Pittsburg, TX 75686
    County: Camp
    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
  • Name Change
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $165.9 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $126.9 mil
    Return on assets (ROA): 0.59% ($1.0 mil)
    Quarterly return on assets: 0.64% ($1.1 mil)
    Return on Equity (ROE): 7.57% ($1.0 mil)
    Quarterly return on equity: 7.99% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.83% ($1,376.8 mil)
    Quarterly Pretax return on assets: 0.92% ($1,526.1 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
  • 56Total employees (full-time equivalent)
  • $165,881Total assets
  • $4,683Cash and due from depository institutions
  • $1,990Interest-bearing balances
  • $45,876Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $107,181Net loans & leases
  • $1,070Loan loss allowance
  • $0Trading account assets
  • $2,576Bank premises and fixed assets
  • $483Other real estate owned
  • $276Goodwill and other intangibles
  • $165,881Life insurance assets
  • $4,806All other assets
  • $152,393Total liabilities and capital
  • $126,926Total liabilities
  • $116,288Total deposits
  • $126,926Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $24,440Trading liabilities
  • $0Other borrowed funds
  • $1,027Subordinated debt
  • $13,488All other liabilities
  • $13,488Total equity capital
  • $13,488Total bank equity capital
  • $0Perpetual preferred stock
  • $1,029Common stock
  • $3,702Surplus
  • $8,757Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $147Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $274Income earned, not collected on loans
  • $0Earning assets
  • $833Long-term assets (5+ years)
  • $155,047Average Assets, year-to-date
  • $72,950Average Assets, quarterly
  • $166,599Volatile liabilities
  • $166,891Insider loans
  • $88,160FHLB advances
  • $174,345Loans and leases held for sale
  • $2,002Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,294Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,002Total unused commitments
  • $5,139Restructured Loans and leases
  • $1,373Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,417Total interest income
  • $2,759Total interest expense
  • $6,658Net interest income
  • $438Provision for loan and lease losses
  • $178Total noninterest income
  • $0Fiduciary activities
  • $55Service charges on deposit accounts
  • $0Trading account gains & fees
  • $123Additional noninterest income
  • $5,028Total noninterest expense
  • $2,896Salaries and employee benefits
  • $555Premises and equipment expense
  • $1,577Additional noninterest expense
  • $1,370Pre-tax net operating income
  • $18Securities gains (losses)
  • $399Applicable income taxes
  • $989Income before extraordinary items
  • $0Extraordinary gains - net
  • $989Net income attributable to bank
  • $0Net charge-offs
  • $989Cash dividends
  • $284Sale, conversion, retirement of capital stock, net
  • $195Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.06%Yield on earning assets
  • 1.77%Cost of funding earning assets
  • 4.28%Net interest margin
  • 0.11%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 7.57%Return on equity (ROE)
  • 6.08%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 154.23%Credit loss provision to net charge-offs
  • 6.37%Efficiency ratio
  • 73,552Assets per employee
  • 2.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.72%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 390.51%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 84.44%Net loans and leases to core deposits
  • 86.70%Equity capital to assets
  • 8.13%Core capital (leverage) ratio
  • 7.63%Tier 1 risk-based capital ratio
  • 15.08%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $166,599Average earning assets
  • $13,066Average equity
  • $155,523Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044739Cypress Bank, Ssb120 South Greer Blvd, Pittsburg, TX 75686January 01, 1976Full Service Brick and Mortar
    101286227110 N Main Branch110 N Main, Lone Star, TX 75668January 01, 1976Full Service Brick and Mortar
    102286228Live Oak At Washington Branch1702 Live Oak, Commerce, TX 75428January 01, 1976Full Service Brick and Mortar
    10340994801 N Jefferson Branch801 N. Jefferson, Mount Pleasant, TX 75455January 01, 1919Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Cypress Bank, SSB.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents