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


First State Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    010387First State Bank101 Worth St, Hemphill, TX 75948September 09, 1944Full Service Brick and Mortar

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