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

This bank is inactive as of May 28, 1994

  • First State Bank in Tulia, Texas (TX)
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First State Bank - Overview

  • General
  • FDIC Certificate #: 18697
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: HCSB (#14562)
    Federal Reserve ID: 194767
    Date Established: January 24, 1963
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 12568
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 24, 1963
    Last Structure Change Effective Date: May 28, 1994
    Last Structure Change Process Date: July 26, 1994
    Last Data Update: July 26, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 125 South Austin Street, Tulia, TX 79088
    County: Swisher
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $24.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $15Total assets
  • $25,001Cash and due from depository institutions
  • $1,687Interest-bearing balances
  • $400Securities
  • $8,477Federal funds sold & reverse repurchase agreements
  • $1,000Net loans & leases
  • $12,788Loan loss allowance
  • $148Trading account assets
  • $0Bank premises and fixed assets
  • $478Other real estate owned
  • $43Goodwill and other intangibles
  • $528Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $25,001Total liabilities
  • $22,613Total deposits
  • $22,430Interest-bearing deposits
  • $17,450Deposits held in domestic offices
  • 22430.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $183Total equity capital
  • $183Total bank equity capital
  • $2,388Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $1,300Undivided profits
  • Memoranda
  • $788Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $124Income earned, not collected on loans
  • $346Earning assets
  • $22,665Long-term assets (5+ years)
  • $74Average Assets, year-to-date
  • $25,465Average Assets, quarterly
  • $24,862Volatile liabilities
  • $2,000Insider loans
  • $548FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,499Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,388Total risk weighted assets
  • $16,300Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,650Total interest expense
  • $550Net interest income
  • $1,100Provision for loan and lease losses
  • $174Total noninterest income
  • $225Fiduciary activities
  • $0Service charges on deposit accounts
  • $125Trading account gains & fees
  • $0Additional noninterest income
  • $100Total noninterest expense
  • $967Salaries and employee benefits
  • $481Premises and equipment expense
  • $121Additional noninterest expense
  • $365Pre-tax net operating income
  • $184Securities gains (losses)
  • $20Applicable income taxes
  • $69Income before extraordinary items
  • $135Extraordinary gains - net
  • $0Net income attributable to bank
  • $135Net charge-offs
  • $258Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.17%Cost of funding earning assets
  • 2.39%Net interest margin
  • 4.78%Noninterest income to earning assets
  • 0.98%Noninterest expense to earning assets
  • 4.20%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 0.80%Return on equity (ROE)
  • 5.84%Retained earnings to average equity (YTD only)
  • 5.84%Net charge-offs to loans
  • 1.97%Credit loss provision to net charge-offs
  • 67.44%Efficiency ratio
  • 72,981Assets per employee
  • 1.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 119.35%Noncurrent assets plus other real estate owned to assets
  • 0.67%Noncurrent loans to loans
  • 0.96%Net loans and leases to deposits
  • 57.01%Net loans and leases to core deposits
  • 62.59%Equity capital to assets
  • 9.55%Core capital (leverage) ratio
  • 9.14%Tier 1 risk-based capital ratio
  • 14.65%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $25,465Average earning assets
  • $2,310Average equity
  • $23,003Average loans

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