First Federal Bank Texas in Tyler, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Bank Texas in Tyler, Texas (TX)
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First Federal Bank Texas - Overview

  • General
  • FDIC Certificate #: 30048
    Status: Active
    Federal Reserve ID: 651970
    Date Established: January 01, 1923
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 4633
    FDIC's unique #: 42882
    Numeric code: 33
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: July 20, 1939
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1200 South Beckham Avenue, Tyler, TX 75701
    County: Smith
    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
    Metropolitan Statistical Area (MSA): Tyler, TX (#8640)
    Combined Statistical Area (CSA): Tyler-Jacksonville, TX (#540)
    Core Based Statistical Area (CBSA): Tyler, TX (#46340)
    CBSA Metro Statistical Area: Tyler, TX (#46340)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $212.1 mil
    Equity capital: $20.1 mil
    Deposits held in domestic offices: $126.8 mil
    Return on assets (ROA): 0.07% ($0.1 mil)
    Quarterly return on assets: -0.01% (-$0.0 mil)
    Return on Equity (ROE): 0.78% ($0.2 mil)
    Quarterly return on equity: -0.06% (-$0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.07% ($148.5 mil)
    Quarterly Pretax return on assets: -0.08% (-$169.7 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
  • 50Total employees (full-time equivalent)
  • $212,088Total assets
  • $7,372Cash and due from depository institutions
  • $4,768Interest-bearing balances
  • $22,932Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $160,553Net loans & leases
  • $1,982Loan loss allowance
  • $0Trading account assets
  • $2,899Bank premises and fixed assets
  • $4,614Other real estate owned
  • $2,322Goodwill and other intangibles
  • $212,088Life insurance assets
  • $11,396All other assets
  • $192,003Total liabilities and capital
  • $126,815Total liabilities
  • $114,692Total deposits
  • $126,815Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $64,055Trading liabilities
  • $0Other borrowed funds
  • $1,133Subordinated debt
  • $20,085All other liabilities
  • $20,085Total equity capital
  • $20,085Total bank equity capital
  • $0Perpetual preferred stock
  • $18Common stock
  • $11,963Surplus
  • $8,104Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,199Income earned, not collected on loans
  • $0Earning assets
  • $731Long-term assets (5+ years)
  • $188,253Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $216,158Volatile liabilities
  • $211,380Insider loans
  • $139,144FHLB advances
  • $209,791Loans and leases held for sale
  • $5,343Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,072Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,371Restructured Loans and leases
  • $1,111Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,111Total interest income
  • $4,058Total interest expense
  • $6,053Net interest income
  • $380Provision for loan and lease losses
  • $251Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $251Additional noninterest income
  • $5,782Total noninterest expense
  • $3,342Salaries and employee benefits
  • $1,098Premises and equipment expense
  • $1,342Additional noninterest expense
  • $142Pre-tax net operating income
  • $0Securities gains (losses)
  • -$16Applicable income taxes
  • $158Income before extraordinary items
  • $0Extraordinary gains - net
  • $158Net income attributable to bank
  • $0Net charge-offs
  • $158Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 2.11%Cost of funding earning assets
  • 3.15%Net interest margin
  • 0.13%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 0.07%Net operating income to assets
  • 0.07%Return on assets (ROA)
  • 0.07%Pretax return on assets
  • 0.78%Return on equity (ROE)
  • 0.78%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1117.65%Credit loss provision to net charge-offs
  • 15.35%Efficiency ratio
  • 91,196Assets per employee
  • 4.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 61.96%Noncurrent assets plus other real estate owned to assets
  • 3.00%Noncurrent loans to loans
  • 1.97%Net loans and leases to deposits
  • 126.60%Net loans and leases to core deposits
  • 133.50%Equity capital to assets
  • 9.47%Core capital (leverage) ratio
  • 9.09%Tier 1 risk-based capital ratio
  • 13.71%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $216,158Average earning assets
  • $20,168Average equity
  • $192,290Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042882First Federal Bank Texas1200 South Beckham Avenue, Tyler, TX 75701January 01, 1923Full Service Brick and Mortar
    1013565147102 South Broadway Branch7102 South Broadway, Tyler, TX 75703March 08, 1999Full Service Brick and Mortar
    10242977Gilmer Savings Bank Branch218 West Cass Street, Gilmer, TX 75644January 01, 1920Full Service Brick and Mortar
    103518090Gresham Branch16772 Fm 2493 Suite 103, Tyler, TX 75703January 05, 2009Full Service Brick and Mortar

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