First Texas Bank in Georgetown, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Texas Bank in Georgetown, Texas (TX)
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First Texas Bank - Overview

  • General
  • FDIC Certificate #: 11935
    Status: Active
    Federal Reserve ID: 444350
    Bank Holding Company (Regulatory Top Holder): First Texas Bancorp, Inc. (RSSDID: 1100813, Location: Georgetown, TX)
    Date Established: January 01, 1898
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 7622
    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: 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: 900 Austin Avenue, Georgetown, TX 78626
    County: Williamson
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $309.4 mil
    Equity capital: $34.4 mil
    Deposits held in domestic offices: $274.2 mil
    Return on assets (ROA): 1.26% ($3.9 mil)
    Quarterly return on assets: 1.09% ($3.4 mil)
    Return on Equity (ROE): 11.89% ($4.0 mil)
    Quarterly return on equity: 9.91% ($3.4 mil)
    Net income: $3.9 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.89% ($5,848.0 mil)
    Quarterly Pretax return on assets: 1.64% ($5,074.4 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
  • 68Total employees (full-time equivalent)
  • $309,417Total assets
  • $10,929Cash and due from depository institutions
  • $5,867Interest-bearing balances
  • $169,074Securities
  • $27,300Federal funds sold & reverse repurchase agreements
  • $91,415Net loans & leases
  • $923Loan loss allowance
  • $0Trading account assets
  • $3,067Bank premises and fixed assets
  • $1,093Other real estate owned
  • $0Goodwill and other intangibles
  • $309,417Life insurance assets
  • $6,539All other assets
  • $275,011Total liabilities and capital
  • $274,201Total liabilities
  • $199,505Total deposits
  • $274,201Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $810Subordinated debt
  • $34,406All other liabilities
  • $34,406Total equity capital
  • $34,406Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $18,000Surplus
  • $15,406Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,417Income earned, not collected on loans
  • $0Earning assets
  • $1,424Long-term assets (5+ years)
  • $293,656Average Assets, year-to-date
  • $14,654Average Assets, quarterly
  • $307,078Volatile liabilities
  • $309,782Insider loans
  • $137,682FHLB advances
  • $310,393Loans and leases held for sale
  • $3,436Unused loan commitments
  • $3,436Tier 1 (core) risk-based capital
  • $33,710Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,257Restructured Loans and leases
  • $483Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,096Total interest income
  • $738Total interest expense
  • $10,358Net interest income
  • -$545Provision for loan and lease losses
  • $1,537Total noninterest income
  • $0Fiduciary activities
  • $404Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,133Additional noninterest income
  • $6,636Total noninterest expense
  • $3,551Salaries and employee benefits
  • $663Premises and equipment expense
  • $2,422Additional noninterest expense
  • $5,804Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,944Applicable income taxes
  • $3,860Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,860Net income attributable to bank
  • $0Net charge-offs
  • $3,860Cash dividends
  • $135Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.80%Yield on earning assets
  • 0.25%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.27%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.89%Pretax return on assets
  • 11.89%Return on equity (ROE)
  • 11.89%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • -403.70%Credit loss provision to net charge-offs
  • 38.96%Efficiency ratio
  • 55,788Assets per employee
  • 4.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 27.01%Noncurrent assets plus other real estate owned to assets
  • 1.46%Noncurrent loans to loans
  • 3.70%Net loans and leases to deposits
  • 33.34%Net loans and leases to core deposits
  • 33.98%Equity capital to assets
  • 11.12%Core capital (leverage) ratio
  • 10.86%Tier 1 risk-based capital ratio
  • 24.48%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $307,078Average earning assets
  • $32,459Average equity
  • $292,038Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07622First Texas Bank900 Austin Avenue, Georgetown, TX 78626January 01, 1898Full Service Brick and Mortar
    1225999Williams Branch5321 Williams Drive, Georgetown, TX 78628August 06, 1996Full Service Brick and Mortar
    2226000Del Webb Branch480 Del Webb Boulevard, Georgetown, TX 78628April 07, 1997Full Service Brick and Mortar
    3363834Liberty Hill Branch721 Hwy 183, Liberty Hill, TX 78642May 06, 2002Full Service Brick and Mortar

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