FDIC Certificate #: 16182 Status: Active Federal Reserve ID: 53752 Date Established: September 09, 1944 WWW:http://www.firststatebankhemphill.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 #: 10387 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: September 09, 1944 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: 101 Worth St, Hemphill, TX 75948 County: Sabine 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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $54.1 mil Equity capital: $8.0 mil Deposits held in domestic offices: $45.8 mil Return on assets (ROA): 0.34% ($0.2 mil) Quarterly return on assets: 0.23% ($0.1 mil) Return on Equity (ROE): 2.24% ($0.2 mil) Quarterly return on equity: 1.50% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.44% ($237.9 mil) Quarterly Pretax return on assets: 0.02% ($10.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$54,065Total assets
$12,132Cash and due from depository institutions
$8,218Interest-bearing balances
$35,918Securities
$0Federal funds sold & reverse repurchase agreements
$5,115Net loans & leases
$63Loan loss allowance
$0Trading account assets
$284Bank premises and fixed assets
$109Other real estate owned
$0Goodwill and other intangibles
$54,065Life insurance assets
$507All other assets
$46,101Total liabilities and capital
$45,839Total liabilities
$41,068Total deposits
$45,839Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$262Subordinated debt
$7,964All other liabilities
$7,964Total equity capital
$7,964Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$3,800Surplus
$3,564Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2Income earned, not collected on loans
$0Earning assets
$325Long-term assets (5+ years)
$49,251Average Assets, year-to-date
$13,318Average Assets, quarterly
$52,840Volatile liabilities
$52,973Insider loans
$21,971FHLB advances
$53,149Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,778Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,684Total interest income
$675Total interest expense
$1,009Net interest income
-$16Provision for loan and lease losses
$74Total noninterest income
$0Fiduciary activities
$62Service charges on deposit accounts
$0Trading account gains & fees
$12Additional noninterest income
$933Total noninterest expense
$558Salaries and employee benefits
$90Premises and equipment expense
$285Additional noninterest expense
$166Pre-tax net operating income
$65Securities gains (losses)
$53Applicable income taxes
$178Income before extraordinary items
$0Extraordinary gains - net
$178Net income attributable to bank
$0Net charge-offs
$178Cash dividends
$0Sale, conversion, retirement of capital stock, net
$60Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.41%Yield on earning assets
1.37%Cost of funding earning assets
2.04%Net interest margin
0.15%Noninterest income to earning assets
1.89%Noninterest expense to earning assets
0.24%Net operating income to assets
0.34%Return on assets (ROA)
0.44%Pretax return on assets
2.24%Return on equity (ROE)
1.49%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
86,150Assets per employee
4.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
33.71%Loss allowance to loans
1.22%Loss allowance to noncurrent loans
3150.00%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.04%Net loans and leases to deposits
11.16%Net loans and leases to core deposits
11.87%Equity capital to assets
14.73%Core capital (leverage) ratio
14.63%Tier 1 risk-based capital ratio
35.40%Total risk-based capital ratio
Memoranda
$36Average assets
$52,840Average earning assets
$7,940Average equity
$49,393Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10387
First State Bank
101 Worth St, Hemphill, TX 75948
September 09, 1944
Full Service Brick and Mortar
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