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


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

  • General
  • FDIC Certificate #: 11151
    Status: Active
    Federal Reserve ID: 751759
    Bank Holding Company (Regulatory Top Holder): Central Community Corporation (RSSDID: 1832048, Location: Temple, TX)
    Date Established: January 01, 1909
    WWW: http://www.fsbcentex.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 31 (Domestic: 31, Interstate: No)
    OTS Docket #: 10634
    FDIC's unique #: 7117
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 04, 2008
    Last Structure Change Process Date: June 14, 2010
    Last Data Update: June 14, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 6500 North Mo Pac Expressway, Austin, TX 78731
    County: Travis
    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): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $1,112.8 mil
    Equity capital: $136.1 mil
    Deposits held in domestic offices: $884.8 mil
    Return on assets (ROA): 0.78% ($8.7 mil)
    Quarterly return on assets: 0.45% ($5.0 mil)
    Return on Equity (ROE): 6.48% ($8.8 mil)
    Quarterly return on equity: 3.68% ($5.0 mil)
    Net income: $8.4 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.00% ($11,127.6 mil)
    Quarterly Pretax return on assets: 0.52% ($5,786.4 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
  • 220Total employees (full-time equivalent)
  • $1,112,762Total assets
  • $57,328Cash and due from depository institutions
  • $19,290Interest-bearing balances
  • $451,647Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $555,443Net loans & leases
  • $16,538Loan loss allowance
  • $0Trading account assets
  • $9,377Bank premises and fixed assets
  • $9,663Other real estate owned
  • $11,839Goodwill and other intangibles
  • $1,112,762Life insurance assets
  • $17,465All other assets
  • $976,685Total liabilities and capital
  • $884,805Total liabilities
  • $630,747Total deposits
  • $884,805Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 7346.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $81,336Trading liabilities
  • $0Other borrowed funds
  • $3,198Subordinated debt
  • $136,077All other liabilities
  • $136,077Total equity capital
  • $136,077Total bank equity capital
  • $0Perpetual preferred stock
  • $413Common stock
  • $49,587Surplus
  • $86,077Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,657Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $35,761Income earned, not collected on loans
  • $2,160Earning assets
  • $6,097Long-term assets (5+ years)
  • $1,026,380Average Assets, year-to-date
  • $350,287Average Assets, quarterly
  • $1,077,249Volatile liabilities
  • $1,106,534Insider loans
  • $696,577FHLB advances
  • $1,091,364Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $115,719Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $94,358Restructured Loans and leases
  • $600Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $46,001Total interest income
  • $8,245Total interest expense
  • $37,756Net interest income
  • $3,320Provision for loan and lease losses
  • $7,717Total noninterest income
  • $0Fiduciary activities
  • $4,004Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,713Additional noninterest income
  • $29,829Total noninterest expense
  • $14,971Salaries and employee benefits
  • $4,108Premises and equipment expense
  • $10,750Additional noninterest expense
  • $12,324Pre-tax net operating income
  • -$1,553Securities gains (losses)
  • $2,402Applicable income taxes
  • $8,369Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,369Net income attributable to bank
  • $0Net charge-offs
  • $8,369Cash dividends
  • $3,208Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 6.48%Return on equity (ROE)
  • 6.48%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 103.49%Credit loss provision to net charge-offs
  • 4.88%Efficiency ratio
  • 63,572Assets per employee
  • 5.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.89%Loss allowance to noncurrent loans
  • 46.25%Noncurrent assets plus other real estate owned to assets
  • 4.08%Noncurrent loans to loans
  • 6.25%Net loans and leases to deposits
  • 62.78%Net loans and leases to core deposits
  • 68.92%Equity capital to assets
  • 12.23%Core capital (leverage) ratio
  • 10.60%Tier 1 risk-based capital ratio
  • 16.61%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $1,077,249Average earning assets
  • $129,250Average equity
  • $989,195Average loans

List of branches

  • 31 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07117First State Bank Central Texas6500 North Mo Pac Expressway, Austin, TX 78731January 01, 1909Full Service Brick and Mortar
    12240906th Street Branch111 6th Street, Chilton, TX 76632December 27, 1988Full Service Brick and Mortar
    2224091Temple Branch402 North Main Street, Temple, TX 76503June 01, 1992Full Service Brick and Mortar
    415957Salado BranchMain And Thomas Arnold, Salado, TX 76571April 09, 1979Full Service Brick and Mortar
    510401Lometa Branch101 North 4th, Lometa, TX 76853October 07, 1944Full Service Brick and Mortar
    6237595South Key Branch206 South Key Avenue, Lampasas, TX 76550July 15, 1988Full Service Brick and Mortar
    7176021301 Fisher Street Branch1301 Fisher Street, Goldthwaite, TX 76844August 01, 1984Full Service Brick and Mortar
    88921Live Oak Branch164 Live Oak Street, Marlin, TX 76661April 20, 1934Full Service Brick and Mortar
    9224093Academy Branch450 North Hwy 95, Academy, TX 76554September 08, 1996Full Service Brick and Mortar
    10224094Belton Branch2855 North Main Street, Belton, TX 76501July 13, 1998Full Service Brick and Mortar
    11224095Georgetown Branch711 San Gabriel Village Blvd, Georgetown, TX 78626December 15, 1998Full Service Brick and Mortar
    13361776Monterey Oaks5501-A Highway 290 West, Austin, TX 78735May 07, 2001Full Service Brick and Mortar
    14361777Round Rock Branch505 Palm Valley Boulevard, Round Rock, TX 78664May 25, 2001Full Service Brick and Mortar
    15364387Parmer Lane3951 Parmer Lane, Austin, TX 78729January 02, 2002Full Service Brick and Mortar
    1744631Burnet Branch101 East Polk, Burnet, TX 78611January 01, 1973Full Service Brick and Mortar
    18285214Kingsland Branch14550 Fm 1431 West, Kingsland, TX 78639January 01, 1968Full Service Brick and Mortar
    1944396Llano Branch907 Ford, Llano, TX 78643January 01, 1968Full Service Brick and Mortar
    20285216Marble Falls Branch702 Seventh Street, Marble Falls, TX 78654January 01, 1968Full Service Brick and Mortar
    21285215Mason Branch204 Westmoreland, Mason, TX 76856January 01, 1968Full Service Brick and Mortar
    22429679Harker Heights Branch661 W Central Texas Expressway, #100, Harker Heights, TX 76548October 01, 2003Full Service Brick and Mortar
    242092First National Bank Of Hamilton/Bran200 South Bell Avenue, Hamilton, TX 76531January 01, 1920Full Service Brick and Mortar
    26450600Buda Branch203 North Railroad, Suite 3b, Buda, TX 78610March 20, 2006Full Service Brick and Mortar
    27452328Canyon Creek Branch1150 Canyon Creek Drive, Temple, TX 76502April 10, 2006Full Service Brick and Mortar
    289916Granger Branch201 East Davilla, Granger, TX 76530December 31, 1938Full Service Brick and Mortar
    30234699Taylor Branch813 North Main, Taylor, TX 76574March 08, 1994Full Service Brick and Mortar
    31267472Elgin Branch207 North Main Street, Elgin, TX 78621June 30, 1985Full Service Brick and Mortar
    33441775Hutto Branch120 Cr 119, Suite 100, Hutto, TX 78634June 01, 2005Full Service Brick and Mortar
    34477918Loop Temple Branch5550 Sw H.K. Dodgen Loop, Temple, TX 76504January 01, 1989Full Service Brick and Mortar
    35477919Copperas Cove Branch914 S Main, Suite D, Copperas Cove, TX 76522March 01, 2008Full Service Brick and Mortar
    36365992Bartlett Branch206 South Dalton, Bartlett, TX 76511November 01, 2001Full Service Brick and Mortar
    37491602Pflugerville Branch1620 Grand Avenue Parkway, Suite 100, Pflugerville, TX 78660April 21, 2009Full Service Brick and Mortar

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