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

First State Bank of Uvalde - Overview

  • General
  • FDIC Certificate #: 9978
    Status: Active
    Federal Reserve ID: 273662
    Bank Holding Company (Regulatory Top Holder): Briscoe Ranch, Inc. (RSSDID: 1102451, Location: Uvalde, TX)
    Date Established: July 06, 1907
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 6378
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 27, 2009
    Last Structure Change Process Date: August 27, 2009
    Last Data Update: August 27, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 East Nopal Street, Uvalde, TX 78801
    County: Uvalde
    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
    Core Based Statistical Area (CBSA): Uvalde, TX (#46620)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $838.8 mil
    Equity capital: $71.0 mil
    Deposits held in domestic offices: $756.4 mil
    Return on assets (ROA): 1.17% ($9.8 mil)
    Quarterly return on assets: 1.07% ($9.0 mil)
    Return on Equity (ROE): 14.10% ($10.0 mil)
    Quarterly return on equity: 12.49% ($8.9 mil)
    Net income: $8.8 mil
    Quarterly Net income: $2.2 mil
    Pretax return on assets: 1.49% ($12,498.8 mil)
    Quarterly Pretax return on assets: 1.32% ($11,072.8 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
  • 115Total employees (full-time equivalent)
  • $838,847Total assets
  • $161,087Cash and due from depository institutions
  • $150,064Interest-bearing balances
  • $481,675Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $175,486Net loans & leases
  • $3,621Loan loss allowance
  • $0Trading account assets
  • $3,633Bank premises and fixed assets
  • $3,029Other real estate owned
  • $1,719Goodwill and other intangibles
  • $838,847Life insurance assets
  • $12,218All other assets
  • $767,871Total liabilities and capital
  • $756,433Total liabilities
  • $623,136Total deposits
  • $756,433Interest-bearing deposits
  • $55Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $11,438Subordinated debt
  • $70,976All other liabilities
  • $70,976Total equity capital
  • $70,976Total bank equity capital
  • $0Perpetual preferred stock
  • $1,800Common stock
  • $27,200Surplus
  • $41,976Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,748Income earned, not collected on loans
  • $0Earning assets
  • $4,550Long-term assets (5+ years)
  • $807,225Average Assets, year-to-date
  • $366,032Average Assets, quarterly
  • $751,615Volatile liabilities
  • $819,536Insider loans
  • $260,033FHLB advances
  • $796,104Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $56,120Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,275Restructured Loans and leases
  • $8,144Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,188Total interest income
  • $3,928Total interest expense
  • $19,260Net interest income
  • $500Provision for loan and lease losses
  • $2,283Total noninterest income
  • $313Fiduciary activities
  • $1,139Service charges on deposit accounts
  • $0Trading account gains & fees
  • $831Additional noninterest income
  • $10,189Total noninterest expense
  • $6,358Salaries and employee benefits
  • $812Premises and equipment expense
  • $3,019Additional noninterest expense
  • $10,854Pre-tax net operating income
  • $363Securities gains (losses)
  • $2,407Applicable income taxes
  • $8,810Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,810Net income attributable to bank
  • $0Net charge-offs
  • $8,810Cash dividends
  • $1,379Sale, conversion, retirement of capital stock, net
  • $1,080Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.21%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 2.66%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 1.41%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.49%Pretax return on assets
  • 14.10%Return on equity (ROE)
  • 12.38%Retained earnings to average equity (YTD only)
  • 0.78%Net charge-offs to loans
  • 36.26%Credit loss provision to net charge-offs
  • 8.23%Efficiency ratio
  • 46,061Assets per employee
  • 7.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.26%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 76.26%Noncurrent assets plus other real estate owned to assets
  • 0.93%Noncurrent loans to loans
  • 2.65%Net loans and leases to deposits
  • 23.20%Net loans and leases to core deposits
  • 32.15%Equity capital to assets
  • 8.46%Core capital (leverage) ratio
  • 7.05%Tier 1 risk-based capital ratio
  • 21.58%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $751,615Average earning assets
  • $62,465Average equity
  • $723,411Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $104,356Managed Assets
  • 1Number of Accounts
  • $96,793Personal trust and agency accounts
  • $62,769Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $21,770Other retirement accounts
  • $298Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $11,956Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 158Number of Accounts
  • $0Personal trust and agency accounts
  • $298Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $7,563Other retirement accounts
  • $892Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $6,671Fiduciary accounts held in foreign offices

List of branches

  • 8 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06378First State Bank Of Uvalde200 East Nopal Street, Uvalde, TX 78801July 06, 1907Full Service Brick and Mortar
    1221640Camp Wood Branch308 North Nueces, Camp Wood, TX 78833October 15, 1991Full Service Brick and Mortar
    2221641Sabinal Branch504 North Center, Sabinal, TX 78881October 22, 1991Full Service Brick and Mortar
    3221642Utopia BranchHighway 187 North, Utopia, TX 78884October 29, 1991Full Service Brick and Mortar
    4221643Main Street Branch2100 East Main Street, Uvalde, TX 78801July 15, 1998Limited Service Facility
    5431757Concan BranchHwy 127 West, Concan, TX 78838August 02, 2004Full Service Brick and Mortar
    6429277Carrizo Springs Branch302 Pena Street, Carrizo Springs, TX 78834March 01, 1999Full Service Brick and Mortar
    714628Frio Canyon Branch243 South Evergreen Street, Leakey, TX 78873July 16, 1973Full Service Brick and Mortar

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