Cypress Bank, SSB in city_name, state_name - Detailed Financial Reports, Location

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

Cypress Bank, SSB routing number info

Cypress Bank, SSB - Overview

General
FDIC Certificate #: 31905
Status: Active
Federal Reserve ID: 729178
Date Established: January 01, 1976
WWW: http://www.cypressbanktx.com
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

No	ID	Name	Address	Established	Service Type
0	44739	Cypress Bank, Ssb	120 South Greer Blvd, Pittsburg, TX 75686	January 01, 1976	Full Service Brick and Mortar
101	286227	110 N Main Branch	110 N Main, Lone Star, TX 75668	January 01, 1976	Full Service Brick and Mortar
102	286228	Live Oak At Washington Branch	1702 Live Oak, Commerce, TX 75428	January 01, 1976	Full Service Brick and Mortar
103	40994	801 N Jefferson Branch	801 N. Jefferson, Mount Pleasant, TX 75455	January 01, 1919	Full Service Brick and Mortar

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

Cypress Bank, SSB - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

Cypress Bank, SSB - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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