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

This bank is inactive as of December 06, 2005

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

  • General
  • FDIC Certificate #: 3272
    Status: Inactive
    Closing history: Change in Location
    Acquiring institution: The Peoples State Bank (#8801)
    Federal Reserve ID: 972956
    Date Established: January 01, 1901
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 2113
    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 01, 1934
    Last Structure Change Effective Date: December 06, 2005
    Last Structure Change Process Date: December 22, 2005
    Last Data Update: December 22, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 3702 Summerhill Road, Texarkana, TX 75503
    County: Bowie
    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
    Metropolitan Statistical Area (MSA): Texarkana, TX-Texarkana, AR (#8360)
    Core Based Statistical Area (CBSA): Texarkana, TX-Texarkana, AR (#45500)
    CBSA Metro Statistical Area: Texarkana, TX-Texarkana, AR (#45500)
  • History of Changes
  • Merger - Without Assistance
    Office Sold
    Change in Location
  • Financial Summary
  • Total assets: $12.3 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, 2004)

  • Dollar figures in thousands
  • 8Total employees (full-time equivalent)
  • $12,052Total assets
  • $2,655Cash and due from depository institutions
  • $2,138Interest-bearing balances
  • $2,094Securities
  • $75Federal funds sold & reverse repurchase agreements
  • $7,016Net loans & leases
  • $68Loan loss allowance
  • $0Trading account assets
  • $97Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $115All other assets
  • $12,052Total liabilities and capital
  • $11,107Total liabilities
  • $10,484Total deposits
  • $7,098Interest-bearing deposits
  • $10,484Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $600Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $23All other liabilities
  • $945Total equity capital
  • $945Total bank equity capital
  • $945Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $600Undivided profits
  • Memoranda
  • $-55Noncurrent loans and leases
  • $769Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $88Earning assets
  • $0Long-term assets (5+ years)
  • $63Average Assets, year-to-date
  • $11,323Average Assets, quarterly
  • $2,609Volatile liabilities
  • $12,408Insider loans
  • $12,043FHLB advances
  • $2,752Loans and leases held for sale
  • $334Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $769Total unused commitments
  • $0Restructured Loans and leases
  • $68Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $682Total interest income
  • $167Total interest expense
  • $515Net interest income
  • $9Provision for loan and lease losses
  • $67Total noninterest income
  • $0Fiduciary activities
  • $27Service charges on deposit accounts
  • $0Trading account gains & fees
  • $40Additional noninterest income
  • $605Total noninterest expense
  • $314Salaries and employee benefits
  • $63Premises and equipment expense
  • $228Additional noninterest expense
  • -$32Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$32Income before extraordinary items
  • $0Extraordinary gains - net
  • -$32Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.86%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 4.42%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 5.20%Noninterest expense to earning assets
  • -0.26%Net operating income to assets
  • -0.26%Return on assets (ROA)
  • -0.26%Pretax return on assets
  • -3.37%Return on equity (ROE)
  • -3.37%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 300.00%Credit loss provision to net charge-offs
  • -7.67%Efficiency ratio
  • 103,952Assets per employee
  • 1.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 77.27%Noncurrent assets plus other real estate owned to assets
  • 0.73%Noncurrent loans to loans
  • 1.24%Net loans and leases to deposits
  • 66.92%Net loans and leases to core deposits
  • 84.21%Equity capital to assets
  • 7.84%Core capital (leverage) ratio
  • 8.20%Tier 1 risk-based capital ratio
  • 16.22%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $12,408Average earning assets
  • $951Average equity
  • $11,645Average loans

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