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

First Texas Bank - Overview

  • General
  • FDIC Certificate #: 22551
    Status: Active
    Federal Reserve ID: 688257
    Bank Holding Company (Regulatory Top Holder): First Texas Bancorp, Inc. (RSSDID: 1100813, Location: Georgetown, TX)
    Date Established: November 16, 1977
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 15727
    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: November 16, 1977
    Last Structure Change Effective Date: August 08, 2009
    Last Structure Change Process Date: August 25, 2009
    Last Data Update: August 25, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: Church And Gray Streets, Killeen, TX 76541
    County: Bell
    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): Killeen-Temple, TX (#3810)
    Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
    CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $236.8 mil
    Equity capital: $29.0 mil
    Deposits held in domestic offices: $206.0 mil
    Return on assets (ROA): 0.83% ($2.0 mil)
    Quarterly return on assets: 0.70% ($1.7 mil)
    Return on Equity (ROE): 6.85% ($2.0 mil)
    Quarterly return on equity: 5.86% ($1.7 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.21% ($2,865.4 mil)
    Quarterly Pretax return on assets: 1.01% ($2,391.8 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
  • 82Total employees (full-time equivalent)
  • $236,808Total assets
  • $11,258Cash and due from depository institutions
  • $224Interest-bearing balances
  • $116,980Securities
  • $23,725Federal funds sold & reverse repurchase agreements
  • $70,385Net loans & leases
  • $539Loan loss allowance
  • $0Trading account assets
  • $3,968Bank premises and fixed assets
  • $1,539Other real estate owned
  • $0Goodwill and other intangibles
  • $236,808Life insurance assets
  • $8,953All other assets
  • $207,808Total liabilities and capital
  • $205,980Total liabilities
  • $124,313Total deposits
  • $205,980Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,828Subordinated debt
  • $29,000All other liabilities
  • $29,000Total equity capital
  • $29,000Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $17,950Surplus
  • $10,250Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,819Income earned, not collected on loans
  • $0Earning assets
  • $911Long-term assets (5+ years)
  • $211,314Average Assets, year-to-date
  • $9,456Average Assets, quarterly
  • $238,713Volatile liabilities
  • $243,381Insider loans
  • $109,361FHLB advances
  • $239,798Loans and leases held for sale
  • $6,838Unused loan commitments
  • $6,838Tier 1 (core) risk-based capital
  • $28,718Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,518Restructured Loans and leases
  • $1,334Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,195Total interest income
  • $384Total interest expense
  • $7,811Net interest income
  • -$247Provision for loan and lease losses
  • $2,194Total noninterest income
  • $0Fiduciary activities
  • $918Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,276Additional noninterest income
  • $7,354Total noninterest expense
  • $3,811Salaries and employee benefits
  • $1,023Premises and equipment expense
  • $2,520Additional noninterest expense
  • $2,898Pre-tax net operating income
  • $0Securities gains (losses)
  • $915Applicable income taxes
  • $1,983Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,983Net income attributable to bank
  • $0Net charge-offs
  • $1,983Cash dividends
  • $58Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.89%Yield on earning assets
  • 0.18%Cost of funding earning assets
  • 3.71%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 6.85%Return on equity (ROE)
  • 1.67%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • -425.86%Credit loss provision to net charge-offs
  • 45.71%Efficiency ratio
  • 73,503Assets per employee
  • 2.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.64%Loss allowance to loans
  • 0.76%Loss allowance to noncurrent loans
  • 29.63%Noncurrent assets plus other real estate owned to assets
  • 1.42%Noncurrent loans to loans
  • 2.56%Net loans and leases to deposits
  • 34.17%Net loans and leases to core deposits
  • 34.65%Equity capital to assets
  • 12.25%Core capital (leverage) ratio
  • 11.98%Tier 1 risk-based capital ratio
  • 26.26%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $238,713Average earning assets
  • $28,961Average equity
  • $210,689Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015727First Texas BankChurch And Gray Streets, Killeen, TX 76541November 16, 1977Full Service Brick and Mortar
    112491East Highway Branch90 Cove Terrace, Copperas Cove, TX 76522August 20, 1962Full Service Brick and Mortar
    2245864Detached Drive-In Facility716 North Eighth Street, Killeen, TX 76541September 10, 1981Limited Service Facility
    3254871Walmart Branch2720 East Us Highway 190, Copperas Cove, TX 76522October 25, 1995Full Service Retail
    4254872Willow Springs Branch2200 West Central Texas Expressway, Killeen, TX 76542Febuary 05, 1997Full Service Brick and Mortar
    51978Belton Branch300 East First Avenue, Belton, TX 76513October 25, 1933Full Service Brick and Mortar

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