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

First State Bank - Overview

  • General
  • FDIC Certificate #: 10704
    Status: Active
    Federal Reserve ID: 498456
    Bank Holding Company (Regulatory Top Holder): Bsa Bankshares, Inc. (RSSDID: 3179662, Location: Abilene, TX)
    Date Established: June 03, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 6867
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    Last Structure Change Effective Date: Febuary 04, 2008
    Last Structure Change Process Date: Febuary 04, 2008
    Last Data Update: Febuary 04, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 2118 S. Treadaway Blvd., Abilene, TX 79602
    County: Taylor
    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): Abilene, TX (#40)
    Core Based Statistical Area (CBSA): Abilene, TX (#10180)
    CBSA Metro Statistical Area: Abilene, TX (#10180)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $36.4 mil
    Equity capital: $3.0 mil
    Deposits held in domestic offices: $33.3 mil
    Return on assets (ROA): 0.42% ($0.2 mil)
    Quarterly return on assets: 0.52% ($0.2 mil)
    Return on Equity (ROE): 4.90% ($0.1 mil)
    Quarterly return on equity: 6.11% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.57% ($207.6 mil)
    Quarterly Pretax return on assets: 0.71% ($258.6 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
  • 10Total employees (full-time equivalent)
  • $36,428Total assets
  • $13,047Cash and due from depository institutions
  • $11,841Interest-bearing balances
  • $1,634Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $18,984Net loans & leases
  • $143Loan loss allowance
  • $0Trading account assets
  • $1,611Bank premises and fixed assets
  • $100Other real estate owned
  • $598Goodwill and other intangibles
  • $36,428Life insurance assets
  • $454All other assets
  • $33,401Total liabilities and capital
  • $33,276Total liabilities
  • $23,922Total deposits
  • $33,276Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $125Subordinated debt
  • $3,027All other liabilities
  • $3,027Total equity capital
  • $3,027Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $2,150Surplus
  • $727Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $114Long-term assets (5+ years)
  • $32,459Average Assets, year-to-date
  • $2,925Average Assets, quarterly
  • $34,554Volatile liabilities
  • $35,286Insider loans
  • $18,479FHLB advances
  • $34,870Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,410Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,592Restructured Loans and leases
  • $479Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,167Total interest income
  • $96Total interest expense
  • $1,071Net interest income
  • $0Provision for loan and lease losses
  • $196Total noninterest income
  • $0Fiduciary activities
  • $161Service charges on deposit accounts
  • $0Trading account gains & fees
  • $35Additional noninterest income
  • $1,071Total noninterest expense
  • $530Salaries and employee benefits
  • $213Premises and equipment expense
  • $328Additional noninterest expense
  • $196Pre-tax net operating income
  • $0Securities gains (losses)
  • $50Applicable income taxes
  • $146Income before extraordinary items
  • $0Extraordinary gains - net
  • $146Net income attributable to bank
  • $0Net charge-offs
  • $146Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $70Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.80%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 4.90%Return on equity (ROE)
  • 2.55%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 84,530Assets per employee
  • 3.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.95%Loss allowance to loans
  • 0.75%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 57.05%Net loans and leases to core deposits
  • 57.74%Equity capital to assets
  • 8.31%Core capital (leverage) ratio
  • 6.91%Tier 1 risk-based capital ratio
  • 13.04%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $34,554Average earning assets
  • $2,982Average equity
  • $30,680Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06867First State Bank2118 S. Treadaway Blvd., Abilene, TX 79602June 03, 1903Full Service Brick and Mortar
    1427714First State Bank101 W. San Saba, Menard, TX 76859March 04, 2004Full Service Brick and Mortar

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