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

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

  • General
  • FDIC Certificate #: 11181
    Status: Active
    Federal Reserve ID: 229454
    Bank Holding Company (Regulatory Top Holder): Brownsboro Bancshares, Inc. (RSSDID: 3306561, Location: Brownsboro, TX)
    Date Established: Febuary 17, 1917
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 7138
    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: January 01, 1934
    Last Structure Change Effective Date: January 02, 2009
    Last Structure Change Process Date: September 28, 2009
    Last Data Update: September 28, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 14225 State Hwy 31 E, Brownsboro, TX 75756
    County: Henderson
    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): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Athens, TX (#11980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $96.8 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $88.0 mil
    Return on assets (ROA): 1.61% ($1.6 mil)
    Quarterly return on assets: 0.69% ($0.7 mil)
    Return on Equity (ROE): 18.39% ($1.7 mil)
    Quarterly return on equity: 7.65% ($0.7 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.61% ($1,558.3 mil)
    Quarterly Pretax return on assets: 0.69% ($667.9 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
  • 25Total employees (full-time equivalent)
  • $96,790Total assets
  • $3,643Cash and due from depository institutions
  • $0Interest-bearing balances
  • $37,878Securities
  • $2,925Federal funds sold & reverse repurchase agreements
  • $48,264Net loans & leases
  • $805Loan loss allowance
  • $0Trading account assets
  • $1,888Bank premises and fixed assets
  • $1,050Other real estate owned
  • $0Goodwill and other intangibles
  • $96,790Life insurance assets
  • $1,142All other assets
  • $88,011Total liabilities and capital
  • $87,967Total liabilities
  • $70,622Total deposits
  • $87,967Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $44Subordinated debt
  • $8,779All other liabilities
  • $8,779Total equity capital
  • $8,779Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $5,300Surplus
  • $3,179Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,950Income earned, not collected on loans
  • $0Earning assets
  • $431Long-term assets (5+ years)
  • $89,067Average Assets, year-to-date
  • $40,775Average Assets, quarterly
  • $92,297Volatile liabilities
  • $96,662Insider loans
  • $57,055FHLB advances
  • $96,544Loans and leases held for sale
  • $165Unused loan commitments
  • $165Tier 1 (core) risk-based capital
  • $8,391Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $701Restructured Loans and leases
  • $963Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,384Total interest income
  • $649Total interest expense
  • $3,735Net interest income
  • $150Provision for loan and lease losses
  • $780Total noninterest income
  • $0Fiduciary activities
  • $536Service charges on deposit accounts
  • $0Trading account gains & fees
  • $244Additional noninterest income
  • $3,193Total noninterest expense
  • $1,595Salaries and employee benefits
  • $377Premises and equipment expense
  • $1,221Additional noninterest expense
  • $1,172Pre-tax net operating income
  • $314Securities gains (losses)
  • $0Applicable income taxes
  • $1,486Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,486Net income attributable to bank
  • $0Net charge-offs
  • $1,486Cash dividends
  • $135Sale, conversion, retirement of capital stock, net
  • $841Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 3.72%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 18.39%Return on equity (ROE)
  • 7.98%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 111.11%Credit loss provision to net charge-offs
  • 9.79%Efficiency ratio
  • 70,720Assets per employee
  • 3.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.59%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 41.28%Noncurrent assets plus other real estate owned to assets
  • 3.10%Noncurrent loans to loans
  • 3.97%Net loans and leases to deposits
  • 54.87%Net loans and leases to core deposits
  • 58.16%Equity capital to assets
  • 9.07%Core capital (leverage) ratio
  • 8.69%Tier 1 risk-based capital ratio
  • 14.71%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $92,297Average earning assets
  • $8,082Average equity
  • $85,750Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07138First State Bank Of Brownsboro14225 State Hwy 31 E, Brownsboro, TX 75756Febuary 17, 1917Full Service Brick and Mortar
    1224119Murchison Branch6465 State Hwy 31 E, Murchison, TX 75778May 24, 1999Full Service Brick and Mortar
    2452329Athens Bank Branch609 South Palestine, Athens, TX 75751Febuary 13, 2006Full Service Brick and Mortar

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