Elsa State Bank and Trust Company in Elsa, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Elsa State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 16239
    Status: Active
    Federal Reserve ID: 367954
    Date Established: March 12, 1945
    WWW: http://www.elsastatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 10435
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: March 12, 1945
    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: 300 West Edinburg Avenue, Elsa, TX 78543
    County: Hidalgo
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): McAllen-Edinburg-Mission, TX (#4880)
    Core Based Statistical Area (CBSA): McAllen-Edinburg-Mission, TX (#32580)
    CBSA Metro Statistical Area: McAllen-Edinburg-Mission, TX (#32580)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $167.6 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $152.7 mil
    Return on assets (ROA): 0.79% ($1.3 mil)
    Quarterly return on assets: 1.05% ($1.8 mil)
    Return on Equity (ROE): 9.34% ($1.3 mil)
    Quarterly return on equity: 12.44% ($1.7 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.79% ($1,323.7 mil)
    Quarterly Pretax return on assets: 1.05% ($1,759.4 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
  • 84Total employees (full-time equivalent)
  • $167,560Total assets
  • $12,709Cash and due from depository institutions
  • $0Interest-bearing balances
  • $64,031Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $83,094Net loans & leases
  • $881Loan loss allowance
  • $0Trading account assets
  • $4,715Bank premises and fixed assets
  • $1,498Other real estate owned
  • $0Goodwill and other intangibles
  • $167,560Life insurance assets
  • $1,513All other assets
  • $153,279Total liabilities and capital
  • $152,706Total liabilities
  • $122,208Total deposits
  • $152,706Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $573Subordinated debt
  • $14,281All other liabilities
  • $14,281Total equity capital
  • $14,281Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $6,000Surplus
  • $7,281Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $727Income earned, not collected on loans
  • $0Earning assets
  • $917Long-term assets (5+ years)
  • $147,125Average Assets, year-to-date
  • $9,567Average Assets, quarterly
  • $165,387Volatile liabilities
  • $168,980Insider loans
  • $101,976FHLB advances
  • $166,171Loans and leases held for sale
  • $92Unused loan commitments
  • $92Tier 1 (core) risk-based capital
  • $14,155Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,544Restructured Loans and leases
  • $616Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,259Total interest income
  • $1,558Total interest expense
  • $6,701Net interest income
  • $772Provision for loan and lease losses
  • $2,067Total noninterest income
  • $0Fiduciary activities
  • $1,128Service charges on deposit accounts
  • $0Trading account gains & fees
  • $939Additional noninterest income
  • $6,695Total noninterest expense
  • $3,949Salaries and employee benefits
  • $818Premises and equipment expense
  • $1,928Additional noninterest expense
  • $1,301Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,301Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,301Net income attributable to bank
  • $0Net charge-offs
  • $1,301Cash dividends
  • $711Sale, conversion, retirement of capital stock, net
  • $750Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.57%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 4.52%Net interest margin
  • 1.39%Noninterest income to earning assets
  • 4.52%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.79%Pretax return on assets
  • 9.34%Return on equity (ROE)
  • 3.96%Retained earnings to average equity (YTD only)
  • 0.90%Net charge-offs to loans
  • 108.58%Credit loss provision to net charge-offs
  • 2.92%Efficiency ratio
  • 76,357Assets per employee
  • 1.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.65%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 121.18%Noncurrent assets plus other real estate owned to assets
  • 1.33%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 54.41%Net loans and leases to core deposits
  • 58.61%Equity capital to assets
  • 8.52%Core capital (leverage) ratio
  • 8.52%Tier 1 risk-based capital ratio
  • 13.88%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $165,387Average earning assets
  • $13,926Average equity
  • $148,251Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010435Elsa State Bank And Trust Company300 West Edinburg Avenue, Elsa, TX 78543March 12, 1945Full Service Brick and Mortar
    1237649Starr Banking Center Branch712 West Main, Rio Grande City, TX 78582September 21, 1992Full Service Brick and Mortar
    2237650Roma Branch47 East Grant Street, Roma, TX 78584May 01, 1994Full Service Brick and Mortar
    3237651Elsa State Bank & Tr Co-Edcouch Bran442 W Santa Rosa Ave, Edcouch, TX 78538July 05, 1996Limited Service Facility
    4358235Weslaco Branch203 E. Business 83, Weslaco, TX 78596September 05, 2000Full Service Brick and Mortar
    5419877Edinburg Branch621 West University, Edinburg, TX 78539November 05, 2002Full Service Brick and Mortar

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