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

First Texas Bank - Overview

  • General
  • FDIC Certificate #: 20825
    Status: Active
    Federal Reserve ID: 868068
    Bank Holding Company (Regulatory Top Holder): First Texas Bancorp, Inc. (RSSDID: 1100813, Location: Georgetown, TX)
    Date Established: September 29, 1972
    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 #: 14386
    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: September 29, 1972
    Last Structure Change Effective Date: August 04, 2008
    Last Structure Change Process Date: August 04, 2008
    Last Data Update: August 04, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 500 East Round Rock Avenue, Round Rock, TX 78680
    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
  • Change in Location
  • Financial Summary
  • Total assets: $180.6 mil
    Equity capital: $15.8 mil
    Deposits held in domestic offices: $162.9 mil
    Return on assets (ROA): 1.01% ($1.8 mil)
    Quarterly return on assets: 1.03% ($1.9 mil)
    Return on Equity (ROE): 11.29% ($1.8 mil)
    Quarterly return on equity: 11.67% ($1.9 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.51% ($2,727.1 mil)
    Quarterly Pretax return on assets: 1.54% ($2,781.3 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
  • 53Total employees (full-time equivalent)
  • $180,605Total assets
  • $6,436Cash and due from depository institutions
  • $2,282Interest-bearing balances
  • $74,318Securities
  • $14,225Federal funds sold & reverse repurchase agreements
  • $77,754Net loans & leases
  • $718Loan loss allowance
  • $0Trading account assets
  • $3,063Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $180,605Life insurance assets
  • $4,809All other assets
  • $164,808Total liabilities and capital
  • $162,858Total liabilities
  • $109,040Total deposits
  • $162,858Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,950Subordinated debt
  • $15,797All other liabilities
  • $15,797Total equity capital
  • $15,797Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $9,250Surplus
  • $5,547Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $217Income earned, not collected on loans
  • $0Earning assets
  • $814Long-term assets (5+ years)
  • $168,579Average Assets, year-to-date
  • $3,040Average Assets, quarterly
  • $173,203Volatile liabilities
  • $178,235Insider loans
  • $103,151FHLB advances
  • $179,745Loans and leases held for sale
  • $2,967Unused loan commitments
  • $2,967Tier 1 (core) risk-based capital
  • $15,392Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,621Restructured Loans and leases
  • $1,254Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,240Total interest income
  • $458Total interest expense
  • $6,782Net interest income
  • $55Provision for loan and lease losses
  • $1,331Total noninterest income
  • $0Fiduciary activities
  • $537Service charges on deposit accounts
  • $0Trading account gains & fees
  • $794Additional noninterest income
  • $5,442Total noninterest expense
  • $3,367Salaries and employee benefits
  • $654Premises and equipment expense
  • $1,421Additional noninterest expense
  • $2,616Pre-tax net operating income
  • $0Securities gains (losses)
  • $858Applicable income taxes
  • $1,758Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,758Net income attributable to bank
  • $0Net charge-offs
  • $1,758Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.48%Yield on earning assets
  • 0.28%Cost of funding earning assets
  • 4.20%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 11.29%Return on equity (ROE)
  • 1.66%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 161.76%Credit loss provision to net charge-offs
  • 78.56%Efficiency ratio
  • 67,078Assets per employee
  • 3.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.32%Loss allowance to loans
  • 0.91%Loss allowance to noncurrent loans
  • 330.88%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 47.74%Net loans and leases to core deposits
  • 50.50%Equity capital to assets
  • 8.75%Core capital (leverage) ratio
  • 8.56%Tier 1 risk-based capital ratio
  • 14.92%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $173,203Average earning assets
  • $15,573Average equity
  • $161,554Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014386First Texas Bank500 East Round Rock Avenue, Round Rock, TX 78680September 29, 1972Full Service Brick and Mortar
    2251733Brushy Creek Branch7509 O'connor Drive, Austin, TX 78717January 02, 1997Full Service Brick and Mortar
    3251734Cedar Park Branch1901 Bagdad Road, Cedar Park, TX 78613March 12, 1997Full Service Brick and Mortar
    4251735Pflugerville Branch1600 West Pecan Blvd., Pflugerville, TX 78660May 11, 1998Full Service Brick and Mortar

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