First Bank & Trust East Texas in Diboll, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank & Trust East Texas - Overview

  • General
  • FDIC Certificate #: 17233
    Status: Active
    Federal Reserve ID: 642259
    Bank Holding Company (Regulatory Top Holder): Diboll State Bancshares, Inc. (RSSDID: 1104660, Location: Diboll, TX)
    Date Established: June 18, 1953
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 18 (Domestic: 18, Interstate: No)
    FDIC's unique #: 11260
    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: Commercial Lending Specialization
    Date of Deposit Insurance: June 18, 1953
    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: 104 North Temple Drive, Diboll, TX 75941
    County: Angelina
    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
    Core Based Statistical Area (CBSA): Lufkin, TX (#31260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $800.8 mil
    Equity capital: $77.0 mil
    Deposits held in domestic offices: $720.7 mil
    Return on assets (ROA): 1.09% ($8.7 mil)
    Quarterly return on assets: 1.18% ($9.5 mil)
    Return on Equity (ROE): 11.59% ($8.9 mil)
    Quarterly return on equity: 12.43% ($9.6 mil)
    Net income: $8.6 mil
    Quarterly Net income: $2.4 mil
    Pretax return on assets: 1.54% ($12,332.5 mil)
    Quarterly Pretax return on assets: 1.69% ($13,533.7 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
  • 310Total employees (full-time equivalent)
  • $800,812Total assets
  • $73,388Cash and due from depository institutions
  • $59,703Interest-bearing balances
  • $204,045Securities
  • $5,000Federal funds sold & reverse repurchase agreements
  • $487,712Net loans & leases
  • $6,023Loan loss allowance
  • $0Trading account assets
  • $15,722Bank premises and fixed assets
  • $846Other real estate owned
  • $6,801Goodwill and other intangibles
  • $800,812Life insurance assets
  • $7,298All other assets
  • $723,809Total liabilities and capital
  • $720,747Total liabilities
  • $487,670Total deposits
  • $720,747Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,062Subordinated debt
  • $77,003All other liabilities
  • $77,003Total equity capital
  • $77,003Total bank equity capital
  • $0Perpetual preferred stock
  • $1,600Common stock
  • $40,403Surplus
  • $35,000Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $373Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,930Income earned, not collected on loans
  • $0Earning assets
  • $3,606Long-term assets (5+ years)
  • $756,460Average Assets, year-to-date
  • $112,339Average Assets, quarterly
  • $787,180Volatile liabilities
  • $804,764Insider loans
  • $522,076FHLB advances
  • $797,598Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $66,176Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $53,838Restructured Loans and leases
  • $12,070Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $33,329Total interest income
  • $2,317Total interest expense
  • $31,012Net interest income
  • $1,243Provision for loan and lease losses
  • $9,492Total noninterest income
  • $1,780Fiduciary activities
  • $4,753Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,959Additional noninterest income
  • $27,255Total noninterest expense
  • $16,373Salaries and employee benefits
  • $3,869Premises and equipment expense
  • $7,013Additional noninterest expense
  • $12,006Pre-tax net operating income
  • $151Securities gains (losses)
  • $3,593Applicable income taxes
  • $8,564Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,564Net income attributable to bank
  • $0Net charge-offs
  • $8,564Cash dividends
  • $1,375Sale, conversion, retirement of capital stock, net
  • $4,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.48%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 4.16%Net interest margin
  • 1.27%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 11.59%Return on equity (ROE)
  • 5.64%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 90.40%Credit loss provision to net charge-offs
  • 9.64%Efficiency ratio
  • 67,290Assets per employee
  • 2.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.38%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 153.26%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.80%Net loans and leases to deposits
  • 67.67%Net loans and leases to core deposits
  • 70.28%Equity capital to assets
  • 9.62%Core capital (leverage) ratio
  • 8.30%Tier 1 risk-based capital ratio
  • 12.68%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $787,180Average earning assets
  • $73,886Average equity
  • $744,594Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $342,975Managed Assets
  • 1Number of Accounts
  • $329,445Personal trust and agency accounts
  • $133,302Employee benefit-defined contribution accounts
  • $64,142Employee benefit-defined benefit accounts
  • $35,387Other retirement accounts
  • $39,313Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $47,554Other fiduciary accounts
  • $9,747Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 594Number of Accounts
  • $0Personal trust and agency accounts
  • $38,771Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $13,530Other retirement accounts
  • $0Corporate trust and agency accounts
  • $12,199Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 18 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011260First Bank & Trust East Texas104 North Temple Drive, Diboll, TX 75941June 18, 1953Full Service Brick and Mortar
    117126West Lufkin Branch2510 West Frank Street, Lufkin, TX 75901August 22, 1983Full Service Brick and Mortar
    2241120Crown Colony Branch111 Champion, Lufkin, TX 75901November 06, 1989Limited Service Facility
    3241121Chestnut Village Branch541 South Timberland, Lufkin, TX 75901December 02, 1991Limited Service Facility
    41584Cleveland Branch200 East Crockett Street, Cleveland, TX 77327January 01, 1926Full Service Brick and Mortar
    5241122Nacogdoches Branch1009 North University Dr, Nacogdoches, TX 75961December 28, 1998Full Service Brick and Mortar
    6357598Splendora Branch14500 Old Us Highway 59, Splendora, TX 77372May 22, 2000Full Service Brick and Mortar
    79843Jasper Branch204 East Lamar Street, Jasper, TX 75951October 28, 1937Full Service Brick and Mortar
    9359134West Gibson Branch275 West Gibson, Jasper, TX 75951January 02, 2001Full Service Brick and Mortar
    1011709Pineland BranchMain Street, Pineland, TX 75968May 01, 1957Full Service Brick and Mortar
    11242700Hemphill Branch700 Highway 87 North, Hemphill, TX 75948September 15, 1987Full Service Brick and Mortar
    12242701San Augustine BranchState Highway 96, North, San Augustine, TX 75972March 04, 1996Full Service Brick and Mortar
    13364951Pinecrest Branch1302 Tom Temple, Lufkin, TX 75901December 12, 2001Limited Service Facility
    14434092Porterwood Shopping Center Branch#2 Porterwood Center 23741 U.S. Hwy 59 North, Porter, TX 77365January 26, 2005Full Service Brick and Mortar
    15439308Brentwood Crossing321 N. Brentwood, Lufkin, TX 75904March 21, 2005Full Service Brick and Mortar
    17481496Tyler Branch2211 Three Lakes Parkway, Tyler, TX 75703September 08, 2008Full Service Brick and Mortar
    18487517Palestine Branch412 Lacy, Palestine, TX 75801December 15, 2008Full Service Brick and Mortar
    19501636Wilwood Branch2395 Hg Mosley, Longview, TX 75604November 02, 2009Full Service Brick and Mortar

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