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


Dilley State Bank - Overview

  • General
  • FDIC Certificate #: 1490
    Status: Active
    Federal Reserve ID: 575656
    Date Established: Febuary 02, 1907
    WWW: http://www.dilleystatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 985
    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: April 29, 2010
    Last Structure Change Process Date: May 10, 2010
    Last Data Update: May 10, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 731 W. Leona, Dilley, TX 78017
    County: Frio
    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
  • Change in Location
  • Financial Summary
  • Total assets: $95.8 mil
    Equity capital: $17.8 mil
    Deposits held in domestic offices: $77.2 mil
    Return on assets (ROA): 1.14% ($1.1 mil)
    Quarterly return on assets: 0.96% ($0.9 mil)
    Return on Equity (ROE): 6.04% ($1.1 mil)
    Quarterly return on equity: 5.01% ($0.9 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.70% ($1,629.1 mil)
    Quarterly Pretax return on assets: 1.51% ($1,447.0 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)
  • $95,830Total assets
  • $4,297Cash and due from depository institutions
  • $0Interest-bearing balances
  • $68,936Securities
  • $10,000Federal funds sold & reverse repurchase agreements
  • $12,116Net loans & leases
  • $162Loan loss allowance
  • $0Trading account assets
  • $6Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $95,830Life insurance assets
  • $475All other assets
  • $78,067Total liabilities and capital
  • $77,225Total liabilities
  • $56,183Total deposits
  • $77,225Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $842Subordinated debt
  • $17,763All other liabilities
  • $17,763Total equity capital
  • $17,763Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $3,500Surplus
  • $13,763Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $106Income earned, not collected on loans
  • $0Earning assets
  • $365Long-term assets (5+ years)
  • $91,052Average Assets, year-to-date
  • $71,395Average Assets, quarterly
  • $89,451Volatile liabilities
  • $92,068Insider loans
  • $22,929FHLB advances
  • $91,489Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,904Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $481Restructured Loans and leases
  • $29Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,666Total interest income
  • $283Total interest expense
  • $2,383Net interest income
  • $0Provision for loan and lease losses
  • $435Total noninterest income
  • $0Fiduciary activities
  • $369Service charges on deposit accounts
  • $0Trading account gains & fees
  • $66Additional noninterest income
  • $1,313Total noninterest expense
  • $823Salaries and employee benefits
  • $165Premises and equipment expense
  • $325Additional noninterest expense
  • $1,505Pre-tax net operating income
  • $19Securities gains (losses)
  • $500Applicable income taxes
  • $1,024Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,024Net income attributable to bank
  • $0Net charge-offs
  • $1,024Cash dividends
  • -$41Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.09%Yield on earning assets
  • 0.33%Cost of funding earning assets
  • 2.76%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 1.52%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.70%Pretax return on assets
  • 6.04%Return on equity (ROE)
  • 4.27%Retained earnings to average equity (YTD only)
  • -0.44%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 46,593Assets per employee
  • 6.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.30%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 152.83%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.86%Net loans and leases to deposits
  • 15.69%Net loans and leases to core deposits
  • 16.96%Equity capital to assets
  • 18.54%Core capital (leverage) ratio
  • 18.48%Tier 1 risk-based capital ratio
  • 73.72%Total risk-based capital ratio
  • Memoranda
  • $74Average assets
  • $89,451Average earning assets
  • $16,961Average equity
  • $86,380Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0985Dilley State Bank731 W. Leona, Dilley, TX 78017Febuary 02, 1907Full Service Brick and Mortar

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