First State Bank of Brownsboro in Brownsboro, Texas (TX)

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First State Bank of Brownsboro
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)25
Total assets$96,790
Cash and due from depository institutions$3,643
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$2,925
Net loans & leases$48,264
Loan loss allowance $805
Trading account assets$0
Bank premises and fixed assets$1,888
Other real estate owned$1,050
Goodwill and other intangibles$0
All other assets$1,142
Life insurance assets$96,790
Total liabilities and capital$88,011
Total liabilities$87,967
Total deposits$70,622
Interest-bearing deposits$87,967
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $44
All other liabilities $8,779
Total equity capital$8,779
Total bank equity capital$8,779
Perpetual preferred stock$0
Common stock$300
Undivided profits $3,179
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,950
Earning assets $0
Long-term assets (5+ years) $431
Average Assets, year-to-date $89,067
Average Assets, quarterly $40,775
Volatile liabilities $92,297
Insider loans $96,662
FHLB advances $57,055
Loans and leases held for sale $96,544
Unused loan commitments $165
Tier 1 (core) risk-based capital $165
Tier 2 risk-based capital $8,391
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $701
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,384
Total interest expense $649
Net interest income $3,735
Provision for loan and lease losses $150
Total noninterest income $780
Fiduciary activities $0
Service charges on deposit accounts $536
Trading account gains & fees $0
Additional noninterest income $244
Total noninterest expense $3,193
Salaries and employee benefits $1,595
Premises and equipment expense $377
Additional noninterest expense $1,221
Pre-tax net operating income $1,172
Securities gains (losses) $314
Applicable income taxes $0
Income before extraordinary items $1,486
Extraordinary gains - net $0
Net income attributable to bank $1,486
Net charge-offs $0
Cash dividends $1,486
Sale, conversion, retirement of capital stock, net $135
Net operating income $841
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.11%
Cost of funding earning assets 0.76%
Net interest margin 4.36%
Noninterest income to earning assets 0.91%
Noninterest expense to earning assets 3.72%
Net operating income to assets 1.27%
Return on assets (ROA) 1.61%
Pretax return on assets 1.61%
Return on equity (ROE) 18.39%
Retained earnings to average equity (YTD only) 7.98%
Net charge-offs to loans 0.27%
Credit loss provision to net charge-offs 111.11%
Efficiency ratio9.79%
Assets per employee$70,720
Cash dividends to net income (YTD only)3.87%
Condition Ratios (%)
Loss allowance to loans 56.59%
Loss allowance to noncurrent loans 1.64%
Noncurrent assets plus other real estate owned to assets 41.28%
Noncurrent loans to loans 3.10%
Net loans and leases to deposits3.97%
Net loans and leases to core deposits 54.87%
Equity capital to assets 58.16%
Core capital (leverage) ratio 9.07%
Tier 1 risk-based capital ratio 8.69%
Total risk-based capital ratio 14.71%
Average assets$16
Average earning assets$92,297
Average equity $8,082
Average loans $85,750
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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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