First State Bank in city_name, state_name - Detailed Financial Reports, Location

First State Bank in Paint Rock, Texas (TX)
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First State Bank routing number info

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First State Bank - Overview

General
FDIC Certificate #: 17775
Status: Active
Federal Reserve ID: 719964
Bank Holding Company (Regulatory Top Holder): Paint Rock Bancshares, Inc. (RSSDID: 3938720, Location: Paint Rock, TX)
Date Established: January 01, 1910
WWW: http://www.fsbpaintrock.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 11729
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: June 20, 1957
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: Truehart And Moss Streets, Paint Rock, TX 76866
County: Concho
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $79.1 mil
Equity capital: $7.7 mil
Deposits held in domestic offices: $70.2 mil
Return on assets (ROA): 0.88% ($0.7 mil)
Quarterly return on assets: 0.41% ($0.3 mil)
Return on Equity (ROE): 8.36% ($0.7 mil)
Quarterly return on equity: 4.13% ($0.3 mil)
Net income: $0.6 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.88% ($695.7 mil)
Quarterly Pretax return on assets: 0.41% ($324.1 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
15Total employees (full-time equivalent)
$79,054Total assets
$9,947Cash and due from depository institutions
$9,262Interest-bearing balances
$34,583Securities
$750Federal funds sold & reverse repurchase agreements
$29,920Net loans & leases
$573Loan loss allowance
$0Trading account assets
$419Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$79,054Life insurance assets
$3,435All other assets
$71,372Total liabilities and capital
$70,180Total liabilities
$49,342Total deposits
$70,180Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$60Trading liabilities
$0Other borrowed funds
$1,132Subordinated debt
$7,682All other liabilities
$7,682Total equity capital
$7,682Total bank equity capital
$0Perpetual preferred stock
$700Common stock
$3,000Surplus
$3,982Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$647Income earned, not collected on loans
$0Earning assets
$827Long-term assets (5+ years)
$74,515Average Assets, year-to-date
$20,476Average Assets, quarterly
$72,776Volatile liabilities
$77,951Insider loans
$46,387FHLB advances
$78,594Loans and leases held for sale
$2,274Unused loan commitments
$1,419Tier 1 (core) risk-based capital
$7,781Tier 2 risk-based capital
$855Total risk weighted assets
$0Total unused commitments
$8,636Restructured Loans and leases
$150Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,709Total interest income
$287Total interest expense
$2,422Net interest income
$144Provision for loan and lease losses
$386Total noninterest income
$0Fiduciary activities
$244Service charges on deposit accounts
$0Trading account gains & fees
$142Additional noninterest income
$2,005Total noninterest expense
$1,206Salaries and employee benefits
$183Premises and equipment expense
$616Additional noninterest expense
$659Pre-tax net operating income
-$21Securities gains (losses)
$0Applicable income taxes
$638Income before extraordinary items
$0Extraordinary gains - net
$638Net income attributable to bank
$0Net charge-offs
$638Cash dividends
$234Sale, conversion, retirement of capital stock, net
$270Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.97%Yield on earning assets
0.42%Cost of funding earning assets
3.55%Net interest margin
0.57%Noninterest income to earning assets
2.94%Noninterest expense to earning assets
0.91%Net operating income to assets
0.88%Return on assets (ROA)
0.88%Pretax return on assets
8.36%Return on equity (ROE)
4.82%Retained earnings to average equity (YTD only)
0.75%Net charge-offs to loans
61.54%Credit loss provision to net charge-offs
3.43%Efficiency ratio
71,403Assets per employee
5.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.32%Loss allowance to loans
1.88%Loss allowance to noncurrent loans
88.56%Noncurrent assets plus other real estate owned to assets
0.82%Noncurrent loans to loans
2.12%Net loans and leases to deposits
42.63%Net loans and leases to core deposits
45.91%Equity capital to assets
9.72%Core capital (leverage) ratio
9.90%Tier 1 risk-based capital ratio
16.77%Total risk-based capital ratio
Memoranda
$18Average assets
$72,776Average earning assets
$7,635Average equity
$68,207Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	11729	First State Bank	Truehart And Moss Streets, Paint Rock, TX 76866	January 01, 1910	Full Service Brick and Mortar
1	242744	San Angelo Branch	402 Smith Boulevard, San Angelo, TX 76905	May 27, 1997	Full Service Brick and Mortar

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

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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