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


First State Bank - Overview

  • General
  • FDIC Certificate #: 24498
    Status: Active
    Federal Reserve ID: 216164
    Bank Holding Company (Regulatory Top Holder): Woodson Bancshares, Inc. (RSSDID: 1133044, Location: Graham, TX)
    Date Established: May 26, 1983
    WWW: http://www.fsbgraham.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 17025
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: May 26, 1983
    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: 1526 Fourth Street, Graham, TX 76450
    County: Young
    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: $141.0 mil
    Equity capital: $11.2 mil
    Deposits held in domestic offices: $119.3 mil
    Return on assets (ROA): 1.13% ($1.6 mil)
    Quarterly return on assets: 1.14% ($1.6 mil)
    Return on Equity (ROE): 13.73% ($1.5 mil)
    Quarterly return on equity: 14.34% ($1.6 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.13% ($1,592.9 mil)
    Quarterly Pretax return on assets: 1.14% ($1,607.0 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
  • 31Total employees (full-time equivalent)
  • $140,968Total assets
  • $66,609Cash and due from depository institutions
  • $55,720Interest-bearing balances
  • $2,000Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $67,340Net loans & leases
  • $761Loan loss allowance
  • $0Trading account assets
  • $921Bank premises and fixed assets
  • $242Other real estate owned
  • $0Goodwill and other intangibles
  • $140,968Life insurance assets
  • $3,856All other assets
  • $129,791Total liabilities and capital
  • $119,331Total liabilities
  • $77,994Total deposits
  • $119,331Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,827Trading liabilities
  • $0Other borrowed funds
  • $633Subordinated debt
  • $11,177All other liabilities
  • $11,177Total equity capital
  • $11,177Total bank equity capital
  • $0Perpetual preferred stock
  • $413Common stock
  • $5,587Surplus
  • $5,177Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13Income earned, not collected on loans
  • $0Earning assets
  • $367Long-term assets (5+ years)
  • $125,060Average Assets, year-to-date
  • $14,573Average Assets, quarterly
  • $130,997Volatile liabilities
  • $138,089Insider loans
  • $76,422FHLB advances
  • $136,188Loans and leases held for sale
  • $2,426Unused loan commitments
  • $2,426Tier 1 (core) risk-based capital
  • $11,177Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,685Restructured Loans and leases
  • $244Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,196Total interest income
  • $1,191Total interest expense
  • $4,005Net interest income
  • $100Provision for loan and lease losses
  • $828Total noninterest income
  • $0Fiduciary activities
  • $522Service charges on deposit accounts
  • $0Trading account gains & fees
  • $306Additional noninterest income
  • $3,259Total noninterest expense
  • $1,777Salaries and employee benefits
  • $422Premises and equipment expense
  • $1,060Additional noninterest expense
  • $1,474Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,474Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,474Net income attributable to bank
  • $0Net charge-offs
  • $1,474Cash dividends
  • $11Sale, conversion, retirement of capital stock, net
  • $1,484Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 3.37%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 13.73%Return on equity (ROE)
  • -0.09%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 909.09%Credit loss provision to net charge-offs
  • 143.09%Efficiency ratio
  • 67,432Assets per employee
  • 4.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.68%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 5853.85%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 56.43%Net loans and leases to core deposits
  • 67.72%Equity capital to assets
  • 7.93%Core capital (leverage) ratio
  • 8.21%Tier 1 risk-based capital ratio
  • 14.63%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $130,997Average earning assets
  • $10,732Average equity
  • $118,750Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017025First State Bank1526 Fourth Street, Graham, TX 76450May 26, 1983Full Service Brick and Mortar
    1257443Throckmorton Branch147 Minter Avenue, Throckmorton, TX 76483September 10, 1990Full Service Brick and Mortar
    2257444Highway 183 Branch101 Ushwy 183 South, Woodson, TX 76491May 06, 1991Full Service Brick and Mortar
    3359305Possum Kingdom Branch19505 Fam 1148, Graham, TX 76450December 04, 2000Full Service Brick and Mortar

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