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


Farmers State Bank - Overview

  • General
  • FDIC Certificate #: 10712
    Status: Active
    Federal Reserve ID: 33754
    Bank Holding Company (Regulatory Top Holder): Bertram Bancshares, Inc. (RSSDID: 4211345, Location: Bertram, TX)
    Date Established: August 01, 1918
    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 #: 6872
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 31, 2011
    Last Structure Change Process Date: November 01, 2011
    Last Data Update: November 01, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 N Main St, Bertram, TX 78605
    County: Burnet
    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
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Marble Falls, TX (#31920)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $32.8 mil
    Equity capital: $4.5 mil
    Deposits held in domestic offices: $28.0 mil
    Return on assets (ROA): 0.04% ($0.0 mil)
    Quarterly return on assets: -1.69% (-$0.6 mil)
    Return on Equity (ROE): 0.30% ($0.0 mil)
    Quarterly return on equity: -11.00% (-$0.4 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.39% (-$128.1 mil)
    Quarterly Pretax return on assets: -3.47% (-$1,139.9 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
  • 11Total employees (full-time equivalent)
  • $32,849Total assets
  • $4,014Cash and due from depository institutions
  • $99Interest-bearing balances
  • $17,879Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $9,572Net loans & leases
  • $306Loan loss allowance
  • $0Trading account assets
  • $919Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $32,849Life insurance assets
  • $465All other assets
  • $28,354Total liabilities and capital
  • $27,989Total liabilities
  • $21,728Total deposits
  • $27,989Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $365Subordinated debt
  • $4,495All other liabilities
  • $4,495Total equity capital
  • $4,495Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $1,100Surplus
  • $3,095Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $38Income earned, not collected on loans
  • $0Earning assets
  • $232Long-term assets (5+ years)
  • $27,550Average Assets, year-to-date
  • $15,361Average Assets, quarterly
  • $33,890Volatile liabilities
  • $34,585Insider loans
  • $16,712FHLB advances
  • $34,739Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,956Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,510Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,154Total interest income
  • $191Total interest expense
  • $963Net interest income
  • $247Provision for loan and lease losses
  • $164Total noninterest income
  • $0Fiduciary activities
  • $114Service charges on deposit accounts
  • $0Trading account gains & fees
  • $50Additional noninterest income
  • $1,013Total noninterest expense
  • $487Salaries and employee benefits
  • $200Premises and equipment expense
  • $326Additional noninterest expense
  • -$133Pre-tax net operating income
  • $0Securities gains (losses)
  • -$148Applicable income taxes
  • $15Income before extraordinary items
  • $0Extraordinary gains - net
  • $15Net income attributable to bank
  • $0Net charge-offs
  • $15Cash dividends
  • $24Sale, conversion, retirement of capital stock, net
  • $272Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.14%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 3.46%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.63%Noninterest expense to earning assets
  • 0.04%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • -0.39%Pretax return on assets
  • 0.30%Return on equity (ROE)
  • -5.08%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 1029.17%Credit loss provision to net charge-offs
  • 4.75%Efficiency ratio
  • 89,885Assets per employee
  • 2.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1813.33%Loss allowance to loans
  • 3.10%Loss allowance to noncurrent loans
  • 805.26%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 34.20%Net loans and leases to core deposits
  • 34.20%Equity capital to assets
  • 13.68%Core capital (leverage) ratio
  • 11.39%Tier 1 risk-based capital ratio
  • 23.67%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $33,890Average earning assets
  • $5,057Average equity
  • $27,870Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06872Farmers State Bank2 N Main St, Bertram, TX 78605August 01, 1918Full Service Brick and Mortar

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