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

This bank is inactive as of August 08, 2009

  • First Texas Bank in Belton, Texas (TX)
  • Show street view No street view available for this location

First Texas Bank - Overview

  • General
  • FDIC Certificate #: 3100
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First Texas Bank (#22551)
    Federal Reserve ID: 29850
    Date Established: October 25, 1933
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 1978
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    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: 300 East First Avenue, Belton, TX 76513
    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
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $67.4 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, 2008)

  • Dollar figures in thousands
  • 28Total employees (full-time equivalent)
  • $66,315Total assets
  • $5,953Cash and due from depository institutions
  • $3,316Interest-bearing balances
  • $12,703Securities
  • $800Federal funds sold & reverse repurchase agreements
  • $43,477Net loans & leases
  • $345Loan loss allowance
  • $0Trading account assets
  • $1,265Bank premises and fixed assets
  • $115Other real estate owned
  • $0Goodwill and other intangibles
  • $1,323Life insurance assets
  • $2,002All other assets
  • $66,315Total liabilities and capital
  • $59,809Total liabilities
  • $59,610Total deposits
  • $45,839Interest-bearing deposits
  • $59,610Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $199All other liabilities
  • $6,506Total equity capital
  • $6,506Total bank equity capital
  • $6,506Perpetual preferred stock
  • $0Common stock
  • $950Surplus
  • $3,500Undivided profits
  • Memoranda
  • $2,056Noncurrent loans and leases
  • $4,896Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $561Earning assets
  • $0Long-term assets (5+ years)
  • $268Average Assets, year-to-date
  • $60,296Average Assets, quarterly
  • $609Volatile liabilities
  • $66,292Insider loans
  • $65,763FHLB advances
  • $5,239Loans and leases held for sale
  • $513Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,896Total unused commitments
  • $0Restructured Loans and leases
  • $345Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $3,877Total interest income
  • $607Total interest expense
  • $3,270Net interest income
  • $602Provision for loan and lease losses
  • $458Total noninterest income
  • $0Fiduciary activities
  • $223Service charges on deposit accounts
  • $0Trading account gains & fees
  • $235Additional noninterest income
  • $2,752Total noninterest expense
  • $1,605Salaries and employee benefits
  • $291Premises and equipment expense
  • $856Additional noninterest expense
  • $374Pre-tax net operating income
  • $0Securities gains (losses)
  • $108Applicable income taxes
  • $266Income before extraordinary items
  • $0Extraordinary gains - net
  • $266Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $498Sale, conversion, retirement of capital stock, net
  • $450Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.47%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 5.46%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 4.60%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.56%Pretax return on assets
  • 4.01%Return on equity (ROE)
  • -2.77%Retained earnings to average equity (YTD only)
  • 1.15%Net charge-offs to loans
  • 120.88%Credit loss provision to net charge-offs
  • 1.96%Efficiency ratio
  • 73,820Assets per employee
  • 2.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 169.17%Loss allowance to loans
  • 0.79%Loss allowance to noncurrent loans
  • 61.50%Noncurrent assets plus other real estate owned to assets
  • 1.02%Noncurrent loans to loans
  • 1.28%Net loans and leases to deposits
  • 72.94%Net loans and leases to core deposits
  • 79.96%Equity capital to assets
  • 9.81%Core capital (leverage) ratio
  • 9.62%Tier 1 risk-based capital ratio
  • 14.65%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $66,292Average earning assets
  • $6,640Average equity
  • $59,889Average loans

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