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

First State Bank in New Braunfels, Texas (TX)
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First State Bank routing number info

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First State Bank - Overview

General
FDIC Certificate #: 2413
Status: Active
Federal Reserve ID: 256964
Bank Holding Company (Regulatory Top Holder): Capitol Bankshares, Inc. (RSSDID: 1108239, Location: Smithville, TX)
Date Established: January 01, 1907
WWW: http://www.firststate-texas.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
OTS Docket #: 15439
FDIC's unique #: 1589
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 30, 2006
Last Structure Change Process Date: November 16, 2006
Last Data Update: November 16, 2006
Data Source Date: April 05, 2012
Location
Address: 401 Main Plaza, New Braunfels, TX 78130
County: Comal
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
Metropolitan Statistical Area (MSA): San Antonio, TX (#7240)
Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
Financial Summary
Total assets: $272.7 mil
Equity capital: $29.1 mil
Deposits held in domestic offices: $236.2 mil
Return on assets (ROA): 1.66% ($4.5 mil)
Quarterly return on assets: 1.75% ($4.8 mil)
Return on Equity (ROE): 16.28% ($4.7 mil)
Quarterly return on equity: 16.41% ($4.8 mil)
Net income: $4.5 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.66% ($4,526.8 mil)
Quarterly Pretax return on assets: 1.75% ($4,772.3 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
86Total employees (full-time equivalent)
$272,700Total assets
$40,550Cash and due from depository institutions
$37,724Interest-bearing balances
$22,400Securities
$1,305Federal funds sold & reverse repurchase agreements
$197,566Net loans & leases
$2,608Loan loss allowance
$0Trading account assets
$7,421Bank premises and fixed assets
$186Other real estate owned
$0Goodwill and other intangibles
$272,700Life insurance assets
$3,272All other assets
$243,594Total liabilities and capital
$236,233Total liabilities
$184,758Total deposits
$236,233Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,373Trading liabilities
$0Other borrowed funds
$988Subordinated debt
$29,106All other liabilities
$29,106Total equity capital
$29,106Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$9,000Surplus
$19,106Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,652Income earned, not collected on loans
$0Earning assets
$1,003Long-term assets (5+ years)
$258,995Average Assets, year-to-date
$65,875Average Assets, quarterly
$272,433Volatile liabilities
$271,587Insider loans
$210,122FHLB advances
$275,386Loans and leases held for sale
$757Unused loan commitments
$757Tier 1 (core) risk-based capital
$28,512Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$19,827Restructured Loans and leases
$1,168Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$14,797Total interest income
$2,527Total interest expense
$12,270Net interest income
$731Provision for loan and lease losses
$1,425Total noninterest income
$0Fiduciary activities
$820Service charges on deposit accounts
$0Trading account gains & fees
$605Additional noninterest income
$8,460Total noninterest expense
$4,838Salaries and employee benefits
$989Premises and equipment expense
$2,633Additional noninterest expense
$4,504Pre-tax net operating income
$8Securities gains (losses)
$0Applicable income taxes
$4,512Income before extraordinary items
$0Extraordinary gains - net
$4,512Net income attributable to bank
$0Net charge-offs
$4,512Cash dividends
$405Sale, conversion, retirement of capital stock, net
$2,007Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.74%Yield on earning assets
0.98%Cost of funding earning assets
4.76%Net interest margin
0.55%Noninterest income to earning assets
3.28%Noninterest expense to earning assets
1.65%Net operating income to assets
1.66%Return on assets (ROA)
1.66%Pretax return on assets
16.28%Return on equity (ROE)
9.04%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
180.49%Credit loss provision to net charge-offs
12.93%Efficiency ratio
61,774Assets per employee
3.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.48%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
157.87%Noncurrent assets plus other real estate owned to assets
0.67%Noncurrent loans to loans
0.83%Net loans and leases to deposits
83.63%Net loans and leases to core deposits
90.15%Equity capital to assets
10.67%Core capital (leverage) ratio
10.35%Tier 1 risk-based capital ratio
13.57%Total risk-based capital ratio
Memoranda
$15Average assets
$272,433Average earning assets
$27,709Average equity
$257,713Average loans

List of branches

9 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1589	First State Bank	401 Main Plaza, New Braunfels, TX 78130	January 01, 1907	Full Service Brick and Mortar
1	192629	Drive-In Facility	208 Ramona, Smithville, TX 78957	August 11, 1980	Limited Service Facility
2	192630	Bastrop Branch	210 Highway 71 West, Bastrop, TX 78602	November 21, 1994	Full Service Brick and Mortar
4	192632	Canyon Lake Branch	1439 Fm 2673, Canyon Lake, TX 78133	January 30, 1997	Full Service Brick and Mortar
5	357461	Smithville Branch	201 Main, Smithville, TX 78957	July 29, 2000	Full Service Brick and Mortar
6	362678	Gruene Branch	2610 E. Common Street, New Braunfels, TX 78130	December 02, 2001	Full Service Brick and Mortar
8	479074	Operation Center Branch	549 Landa St, New Braunfels, TX 78130	January 31, 2005	Limited Service Administrative
9	479075	New Braunfels Drive-In Branch	217 East Mill Street, New Braunfels, TX 78130	October 14, 1999	Limited Service Facility
10	493494	Accounting Operations Branch	162 W. Mill, New Braunfels, TX 78130	October 14, 2008	Limited Service Administrative

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