Industry State Bank in Industry, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Industry State Bank - Overview

  • General
  • FDIC Certificate #: 12506
    Status: Active
    Federal Reserve ID: 733054
    Bank Holding Company (Regulatory Top Holder): Industry Bancshares, Inc. (RSSDID: 2112439, Location: Industry, TX)
    Date Established: June 01, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12309
    FDIC's unique #: 7956
    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: 16886 Fordtran Blvd, Industry, TX 78944
    County: Austin
    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
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $460.9 mil
    Equity capital: $44.0 mil
    Deposits held in domestic offices: $412.3 mil
    Return on assets (ROA): 1.94% ($8.9 mil)
    Quarterly return on assets: 1.55% ($7.1 mil)
    Return on Equity (ROE): 21.99% ($9.7 mil)
    Quarterly return on equity: 15.93% ($7.0 mil)
    Net income: $7.9 mil
    Quarterly Net income: $1.7 mil
    Pretax return on assets: 2.17% ($10,000.6 mil)
    Quarterly Pretax return on assets: 1.62% ($7,465.9 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
  • 72Total employees (full-time equivalent)
  • $460,858Total assets
  • $8,692Cash and due from depository institutions
  • $7,163Interest-bearing balances
  • $317,364Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $115,145Net loans & leases
  • $2,493Loan loss allowance
  • $0Trading account assets
  • $5,884Bank premises and fixed assets
  • $200Other real estate owned
  • $2,280Goodwill and other intangibles
  • $460,858Life insurance assets
  • $11,293All other assets
  • $416,851Total liabilities and capital
  • $412,256Total liabilities
  • $389,428Total deposits
  • $412,256Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $112Trading liabilities
  • $0Other borrowed funds
  • $4,483Subordinated debt
  • $44,007All other liabilities
  • $44,007Total equity capital
  • $44,007Total bank equity capital
  • $0Perpetual preferred stock
  • $1,600Common stock
  • $10,326Surplus
  • $32,081Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $199Income earned, not collected on loans
  • $0Earning assets
  • $3,291Long-term assets (5+ years)
  • $439,672Average Assets, year-to-date
  • $358,979Average Assets, quarterly
  • $409,813Volatile liabilities
  • $445,524Insider loans
  • $181,685FHLB advances
  • $430,730Loans and leases held for sale
  • $5,672Unused loan commitments
  • $4,636Tier 1 (core) risk-based capital
  • $35,415Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,036Total unused commitments
  • $19,206Restructured Loans and leases
  • $2,136Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,035Total interest income
  • $5,503Total interest expense
  • $12,532Net interest income
  • $625Provision for loan and lease losses
  • $5,278Total noninterest income
  • $0Fiduciary activities
  • $577Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,701Additional noninterest income
  • $9,295Total noninterest expense
  • $5,490Salaries and employee benefits
  • $889Premises and equipment expense
  • $2,916Additional noninterest expense
  • $7,890Pre-tax net operating income
  • $1,017Securities gains (losses)
  • $975Applicable income taxes
  • $7,932Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,932Net income attributable to bank
  • $0Net charge-offs
  • $7,932Cash dividends
  • $258Sale, conversion, retirement of capital stock, net
  • $1,300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 1.42%Cost of funding earning assets
  • 3.23%Net interest margin
  • 1.36%Noninterest income to earning assets
  • 2.40%Noninterest expense to earning assets
  • 1.71%Net operating income to assets
  • 1.94%Return on assets (ROA)
  • 2.17%Pretax return on assets
  • 21.99%Return on equity (ROE)
  • 18.39%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 242.25%Credit loss provision to net charge-offs
  • 33.00%Efficiency ratio
  • 48,506Assets per employee
  • 6.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.39%Loss allowance to loans
  • 2.12%Loss allowance to noncurrent loans
  • 1252.76%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 27.93%Net loans and leases to core deposits
  • 30.49%Equity capital to assets
  • 9.55%Core capital (leverage) ratio
  • 8.22%Tier 1 risk-based capital ratio
  • 19.49%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $409,813Average earning assets
  • $36,068Average equity
  • $387,769Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07956Industry State Bank16886 Fordtran Blvd, Industry, TX 78944June 01, 1911Full Service Brick and Mortar
    17615New Ulm Branch1436 Fm 109, New Ulm, TX 78950March 01, 1906Full Service Brick and Mortar
    2362262Messenger ServiceMessenger Service In Towns Of Aleyton And Columbus And Colorado, Columbus, TX 78934December 11, 2000Limited Service Administrative
    3517696Columbus Texas Branch2015 Milam Street, Columbus, TX 78934March 01, 2011Full Service Brick and Mortar

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