Interstate Bank, ssb in Perryton, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Interstate Bank, ssb in Perryton, Texas (TX)
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Interstate Bank, ssb routing number info

Interstate Bank, ssb - Overview

  • General
  • FDIC Certificate #: 31043
    Status: Active
    Federal Reserve ID: 791072
    Bank Holding Company (Regulatory Top Holder): Isb Holdings, Inc. (RSSDID: 3130542, Location: Perryton, TX)
    Date Established: January 01, 1957
    WWW: http://www.interstatebankssb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 6301
    FDIC's unique #: 43877
    Numeric code: 41
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: Febuary 26, 1959
    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: 301 South Main Street, Perryton, TX 79070
    County: Ochiltree
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $163.2 mil
    Equity capital: $12.9 mil
    Deposits held in domestic offices: $150.1 mil
    Return on assets (ROA): 1.08% ($1.8 mil)
    Quarterly return on assets: 0.74% ($1.2 mil)
    Return on Equity (ROE): 12.78% ($1.7 mil)
    Quarterly return on equity: 9.18% ($1.2 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.08% ($1,762.8 mil)
    Quarterly Pretax return on assets: 0.74% ($1,207.8 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
  • 47Total employees (full-time equivalent)
  • $163,218Total assets
  • $11,744Cash and due from depository institutions
  • $3,276Interest-bearing balances
  • $48,494Securities
  • $26,895Federal funds sold & reverse repurchase agreements
  • $70,046Net loans & leases
  • $1,144Loan loss allowance
  • $0Trading account assets
  • $2,150Bank premises and fixed assets
  • $0Other real estate owned
  • $769Goodwill and other intangibles
  • $163,218Life insurance assets
  • $3,120All other assets
  • $150,362Total liabilities and capital
  • $150,143Total liabilities
  • $82,948Total deposits
  • $150,143Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $219Subordinated debt
  • $12,856All other liabilities
  • $12,856Total equity capital
  • $12,856Total bank equity capital
  • $0Perpetual preferred stock
  • $532Common stock
  • $4,169Surplus
  • $8,155Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,319Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,385Income earned, not collected on loans
  • $0Earning assets
  • $795Long-term assets (5+ years)
  • $148,711Average Assets, year-to-date
  • $41,851Average Assets, quarterly
  • $144,369Volatile liabilities
  • $159,757Insider loans
  • $96,366FHLB advances
  • $157,822Loans and leases held for sale
  • $1,411Unused loan commitments
  • $489Tier 1 (core) risk-based capital
  • $10,984Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $922Total unused commitments
  • $17,429Restructured Loans and leases
  • $4,386Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,513Total interest income
  • $532Total interest expense
  • $4,981Net interest income
  • $680Provision for loan and lease losses
  • $1,996Total noninterest income
  • $0Fiduciary activities
  • $113Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,883Additional noninterest income
  • $4,993Total noninterest expense
  • $2,980Salaries and employee benefits
  • $457Premises and equipment expense
  • $1,556Additional noninterest expense
  • $1,304Pre-tax net operating income
  • $251Securities gains (losses)
  • $0Applicable income taxes
  • $1,555Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,555Net income attributable to bank
  • $0Net charge-offs
  • $1,555Cash dividends
  • $379Sale, conversion, retirement of capital stock, net
  • $650Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 0.40%Cost of funding earning assets
  • 3.79%Net interest margin
  • 1.52%Noninterest income to earning assets
  • 3.80%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 12.78%Return on equity (ROE)
  • 7.44%Retained earnings to average equity (YTD only)
  • 0.54%Net charge-offs to loans
  • 179.42%Credit loss provision to net charge-offs
  • 5.23%Efficiency ratio
  • 71,449Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.80%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 47.97%Noncurrent assets plus other real estate owned to assets
  • 1.46%Noncurrent loans to loans
  • 3.35%Net loans and leases to deposits
  • 46.65%Net loans and leases to core deposits
  • 51.40%Equity capital to assets
  • 7.88%Core capital (leverage) ratio
  • 6.96%Tier 1 risk-based capital ratio
  • 11.40%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $144,369Average earning assets
  • $12,171Average equity
  • $131,510Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043877Interstate Bank, Ssb301 South Main Street, Perryton, TX 79070January 01, 1957Full Service Brick and Mortar
    1283212Spearman Branch322 Main Street, Spearman, TX 79081January 01, 1957Full Service Brick and Mortar
    3457052Coulter Branch5085 Coulter, Amarillo, TX 79119October 30, 2006Full Service Brick and Mortar

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