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

First Texas Bank - Overview

  • General
  • FDIC Certificate #: 3293
    Status: Active
    Federal Reserve ID: 875758
    Bank Holding Company (Regulatory Top Holder): First Texas Bancorp, Inc. (RSSDID: 1100813, Location: Georgetown, TX)
    Date Established: October 02, 1884
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 2131
    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: 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: 501 East Third Street, Lampasas, TX 76550
    County: Lampasas
    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): Killeen-Temple-Fort Hood, TX (#28660)
    CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $122.8 mil
    Equity capital: $14.2 mil
    Deposits held in domestic offices: $107.0 mil
    Return on assets (ROA): 0.82% ($1.0 mil)
    Quarterly return on assets: 0.85% ($1.0 mil)
    Return on Equity (ROE): 6.67% ($0.9 mil)
    Quarterly return on equity: 7.19% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.20% ($1,473.3 mil)
    Quarterly Pretax return on assets: 1.22% ($1,497.9 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
  • 31Total employees (full-time equivalent)
  • $122,779Total assets
  • $3,084Cash and due from depository institutions
  • $758Interest-bearing balances
  • $66,512Securities
  • $19,675Federal funds sold & reverse repurchase agreements
  • $27,922Net loans & leases
  • $193Loan loss allowance
  • $0Trading account assets
  • $470Bank premises and fixed assets
  • $497Other real estate owned
  • $0Goodwill and other intangibles
  • $122,779Life insurance assets
  • $4,619All other assets
  • $108,583Total liabilities and capital
  • $106,955Total liabilities
  • $78,063Total deposits
  • $106,955Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,628Subordinated debt
  • $14,196All other liabilities
  • $14,196Total equity capital
  • $14,196Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $7,000Surplus
  • $5,196Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $189Income earned, not collected on loans
  • $0Earning assets
  • $704Long-term assets (5+ years)
  • $114,867Average Assets, year-to-date
  • $1,862Average Assets, quarterly
  • $114,234Volatile liabilities
  • $119,995Insider loans
  • $48,352FHLB advances
  • $121,091Loans and leases held for sale
  • $3,185Unused loan commitments
  • $3,185Tier 1 (core) risk-based capital
  • $13,996Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,198Restructured Loans and leases
  • $1,013Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,870Total interest income
  • $224Total interest expense
  • $3,646Net interest income
  • $45Provision for loan and lease losses
  • $640Total noninterest income
  • $0Fiduciary activities
  • $300Service charges on deposit accounts
  • $0Trading account gains & fees
  • $340Additional noninterest income
  • $2,874Total noninterest expense
  • $1,694Salaries and employee benefits
  • $217Premises and equipment expense
  • $963Additional noninterest expense
  • $1,367Pre-tax net operating income
  • $0Securities gains (losses)
  • $425Applicable income taxes
  • $942Income before extraordinary items
  • $0Extraordinary gains - net
  • $942Net income attributable to bank
  • $0Net charge-offs
  • $942Cash dividends
  • $137Sale, conversion, retirement of capital stock, net
  • $750Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.64%Yield on earning assets
  • 0.21%Cost of funding earning assets
  • 3.43%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 6.67%Return on equity (ROE)
  • 1.36%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 32.85%Credit loss provision to net charge-offs
  • 10.31%Efficiency ratio
  • 67,056Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 79.62%Loss allowance to loans
  • 0.69%Loss allowance to noncurrent loans
  • 102.12%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 26.11%Net loans and leases to core deposits
  • 27.28%Equity capital to assets
  • 11.56%Core capital (leverage) ratio
  • 11.56%Tier 1 risk-based capital ratio
  • 28.95%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $114,234Average earning assets
  • $14,117Average equity
  • $106,233Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02131First Texas Bank501 East Third Street, Lampasas, TX 76550October 02, 1884Full Service Brick and Mortar
    2196325Key Avenue Branch100 North Key Avenue, Lampasas, TX 76550December 24, 1991Limited Service Facility

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