Henderson Federal Savings Bank in Henderson, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Henderson Federal Savings Bank in Henderson, Texas (TX)
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Henderson Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29241
    Status: Active
    Federal Reserve ID: 849076
    Date Established: November 01, 1934
    WWW: http://www.hendersonfederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 3155
    FDIC's unique #: 42075
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 13, 1934
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 130 North Marshall Street, Henderson, TX 75652
    County: Rusk
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Longview-Marshall, TX (#346)
    Core Based Statistical Area (CBSA): Longview, TX (#30980)
    CBSA Metro Statistical Area: Longview, TX (#30980)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $108.5 mil
    Equity capital: $16.5 mil
    Deposits held in domestic offices: $85.8 mil
    Return on assets (ROA): 1.10% ($1.2 mil)
    Quarterly return on assets: 1.12% ($1.2 mil)
    Return on Equity (ROE): 7.24% ($1.2 mil)
    Quarterly return on equity: 7.31% ($1.2 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.67% ($1,812.2 mil)
    Quarterly Pretax return on assets: 1.69% ($1,833.9 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
  • 23Total employees (full-time equivalent)
  • $108,515Total assets
  • $7,480Cash and due from depository institutions
  • $7,209Interest-bearing balances
  • $19,710Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $78,465Net loans & leases
  • $889Loan loss allowance
  • $0Trading account assets
  • $1,298Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $108,515Life insurance assets
  • $1,562All other assets
  • $92,015Total liabilities and capital
  • $85,770Total liabilities
  • $82,159Total deposits
  • $85,770Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,545Trading liabilities
  • $0Other borrowed funds
  • $700Subordinated debt
  • $16,500All other liabilities
  • $16,500Total equity capital
  • $16,500Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $16,500Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,055Income earned, not collected on loans
  • $0Earning assets
  • $446Long-term assets (5+ years)
  • $105,384Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $104,790Volatile liabilities
  • $107,176Insider loans
  • $54,805FHLB advances
  • $108,045Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,248Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,818Restructured Loans and leases
  • $309Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,703Total interest income
  • $1,416Total interest expense
  • $4,287Net interest income
  • $400Provision for loan and lease losses
  • $124Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $124Additional noninterest income
  • $2,260Total noninterest expense
  • $1,468Salaries and employee benefits
  • $356Premises and equipment expense
  • $436Additional noninterest expense
  • $1,751Pre-tax net operating income
  • $0Securities gains (losses)
  • $598Applicable income taxes
  • $1,153Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,153Net income attributable to bank
  • $0Net charge-offs
  • $1,153Cash dividends
  • $91Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.61%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.22%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.67%Pretax return on assets
  • 7.24%Return on equity (ROE)
  • 7.24%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 439.56%Credit loss provision to net charge-offs
  • 23.64%Efficiency ratio
  • 51,236Assets per employee
  • 4.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 43.26%Noncurrent assets plus other real estate owned to assets
  • 1.89%Noncurrent loans to loans
  • 2.59%Net loans and leases to deposits
  • 91.48%Net loans and leases to core deposits
  • 97.88%Equity capital to assets
  • 15.21%Core capital (leverage) ratio
  • 15.04%Tier 1 risk-based capital ratio
  • 29.65%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $104,790Average earning assets
  • $15,926Average equity
  • $101,647Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042075Henderson Federal Savings Bank130 North Marshall Street, Henderson, TX 75652November 01, 1934Full Service Brick and Mortar

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