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

First State Bank of San Diego - Overview

  • General
  • FDIC Certificate #: 17350
    Status: Active
    Federal Reserve ID: 578862
    Bank Holding Company (Regulatory Top Holder): San Diego Bancshares, Inc. (RSSDID: 1832749, Location: San Diego, TX)
    Date Established: August 09, 1954
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 11360
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: August 09, 1954
    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: 209 E Gravis St, San Diego, TX 78384
    County: Duval
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $66.5 mil
    Equity capital: $5.2 mil
    Deposits held in domestic offices: $61.2 mil
    Return on assets (ROA): 1.42% ($0.9 mil)
    Quarterly return on assets: 0.89% ($0.6 mil)
    Return on Equity (ROE): 17.73% ($0.9 mil)
    Quarterly return on equity: 11.10% ($0.6 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.42% ($943.9 mil)
    Quarterly Pretax return on assets: 0.89% ($591.6 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
  • 16Total employees (full-time equivalent)
  • $66,473Total assets
  • $19,039Cash and due from depository institutions
  • $17,648Interest-bearing balances
  • $21,043Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $25,708Net loans & leases
  • $467Loan loss allowance
  • $0Trading account assets
  • $229Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $66,473Life insurance assets
  • $454All other assets
  • $61,290Total liabilities and capital
  • $61,178Total liabilities
  • $43,726Total deposits
  • $61,178Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $112Subordinated debt
  • $5,183All other liabilities
  • $5,183Total equity capital
  • $5,183Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $2,800Surplus
  • $2,183Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $140Income earned, not collected on loans
  • $0Earning assets
  • $210Long-term assets (5+ years)
  • $64,399Average Assets, year-to-date
  • $5,707Average Assets, quarterly
  • $65,003Volatile liabilities
  • $65,125Insider loans
  • $32,808FHLB advances
  • $64,798Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,022Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,387Restructured Loans and leases
  • $242Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,328Total interest income
  • $272Total interest expense
  • $2,056Net interest income
  • $103Provision for loan and lease losses
  • $510Total noninterest income
  • $0Fiduciary activities
  • $335Service charges on deposit accounts
  • $0Trading account gains & fees
  • $175Additional noninterest income
  • $1,631Total noninterest expense
  • $908Salaries and employee benefits
  • $189Premises and equipment expense
  • $534Additional noninterest expense
  • $832Pre-tax net operating income
  • $88Securities gains (losses)
  • $0Applicable income taxes
  • $920Income before extraordinary items
  • $0Extraordinary gains - net
  • $920Net income attributable to bank
  • $0Net charge-offs
  • $920Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $786Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.72%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 2.61%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 17.73%Return on equity (ROE)
  • 2.58%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 792.31%Credit loss provision to net charge-offs
  • 71.92%Efficiency ratio
  • 63,562Assets per employee
  • 4.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.43%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 333.57%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 42.02%Net loans and leases to core deposits
  • 44.43%Equity capital to assets
  • 7.80%Core capital (leverage) ratio
  • 7.75%Tier 1 risk-based capital ratio
  • 15.31%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $65,003Average earning assets
  • $5,188Average equity
  • $62,590Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011360First State Bank Of San Diego209 E Gravis St, San Diego, TX 78384August 09, 1954Full Service Brick and Mortar

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