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


First State Bank - Overview

  • General
  • FDIC Certificate #: 11922
    Status: Active
    Federal Reserve ID: 190563
    Bank Holding Company (Regulatory Top Holder): First Live Oak Bancshares, Inc. (RSSDID: 2520575, Location: Three Rivers, TX)
    Date Established: August 12, 1914
    WWW: http://www.fsbtr.com
    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 #: 7614
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 15, 2010
    Last Data Update: June 15, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 422 Dibrell Avenue, Three Rivers, TX 78071
    County: Live Oak
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $152.5 mil
    Equity capital: $13.1 mil
    Deposits held in domestic offices: $139.3 mil
    Return on assets (ROA): 0.90% ($1.4 mil)
    Quarterly return on assets: 0.30% ($0.5 mil)
    Return on Equity (ROE): 8.59% ($1.1 mil)
    Quarterly return on equity: 3.20% ($0.4 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.90% ($1,372.7 mil)
    Quarterly Pretax return on assets: 0.30% ($457.6 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
  • 25Total employees (full-time equivalent)
  • $152,517Total assets
  • $75,761Cash and due from depository institutions
  • $74,114Interest-bearing balances
  • $35,124Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $40,190Net loans & leases
  • $348Loan loss allowance
  • $0Trading account assets
  • $646Bank premises and fixed assets
  • $33Other real estate owned
  • $0Goodwill and other intangibles
  • $152,517Life insurance assets
  • $763All other assets
  • $139,406Total liabilities and capital
  • $139,275Total liabilities
  • $96,044Total deposits
  • $139,275Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $131Subordinated debt
  • $13,111All other liabilities
  • $13,111Total equity capital
  • $13,111Total bank equity capital
  • $0Perpetual preferred stock
  • $474Common stock
  • $3,526Surplus
  • $9,111Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,368Income earned, not collected on loans
  • $0Earning assets
  • $442Long-term assets (5+ years)
  • $149,428Average Assets, year-to-date
  • $20,468Average Assets, quarterly
  • $124,082Volatile liabilities
  • $141,897Insider loans
  • $40,793FHLB advances
  • $143,313Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,207Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,990Restructured Loans and leases
  • $905Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,828Total interest income
  • $449Total interest expense
  • $3,379Net interest income
  • $186Provision for loan and lease losses
  • $604Total noninterest income
  • $0Fiduciary activities
  • $340Service charges on deposit accounts
  • $0Trading account gains & fees
  • $264Additional noninterest income
  • $2,681Total noninterest expense
  • $1,634Salaries and employee benefits
  • $303Premises and equipment expense
  • $744Additional noninterest expense
  • $1,116Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,116Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,116Net income attributable to bank
  • $0Net charge-offs
  • $1,116Cash dividends
  • $22Sale, conversion, retirement of capital stock, net
  • $627Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.19%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 2.81%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.23%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 8.59%Return on equity (ROE)
  • 3.77%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 845.45%Credit loss provision to net charge-offs
  • 59.18%Efficiency ratio
  • 67,311Assets per employee
  • 6.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.18%Loss allowance to loans
  • 0.86%Loss allowance to noncurrent loans
  • 25.44%Noncurrent assets plus other real estate owned to assets
  • 0.92%Noncurrent loans to loans
  • 3.37%Net loans and leases to deposits
  • 28.86%Net loans and leases to core deposits
  • 34.35%Equity capital to assets
  • 8.60%Core capital (leverage) ratio
  • 8.52%Tier 1 risk-based capital ratio
  • 29.92%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $124,082Average earning assets
  • $12,985Average equity
  • $120,079Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07614First State Bank422 Dibrell Avenue, Three Rivers, TX 78071August 12, 1914Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First State Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents