Lindale State Bank in city_name, state_name - Detailed Financial Reports, Location

Lindale State Bank in Lindale, Texas (TX)
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Lindale State Bank routing number info

Lindale State Bank - Overview

General
FDIC Certificate #: 16278
Status: Active
Federal Reserve ID: 568751
Bank Holding Company (Regulatory Top Holder): Overton Financial Corporation (RSSDID: 1138423, Location: Overton, TX)
Date Established: June 21, 1945
WWW: http://www.lindalestatebank.com
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 #: 10467
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: Commercial Lending Specialization
Date of Deposit Insurance: June 21, 1945
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: 101 South Main Street, Lindale, TX 75771
County: Smith
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
Metropolitan Statistical Area (MSA): Tyler, TX (#8640)
Combined Statistical Area (CSA): Tyler-Jacksonville, TX (#540)
Core Based Statistical Area (CBSA): Tyler, TX (#46340)
CBSA Metro Statistical Area: Tyler, TX (#46340)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $105.4 mil
Equity capital: $11.5 mil
Deposits held in domestic offices: $93.9 mil
Return on assets (ROA): 0.79% ($0.8 mil)
Quarterly return on assets: 0.62% ($0.7 mil)
Return on Equity (ROE): 7.50% ($0.8 mil)
Quarterly return on equity: 5.65% ($0.6 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.02% ($1,075.3 mil)
Quarterly Pretax return on assets: 0.75% ($790.7 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
29Total employees (full-time equivalent)
$105,425Total assets
$17,540Cash and due from depository institutions
$8,890Interest-bearing balances
$19,838Securities
$0Federal funds sold & reverse repurchase agreements
$63,982Net loans & leases
$1,376Loan loss allowance
$0Trading account assets
$1,280Bank premises and fixed assets
$780Other real estate owned
$0Goodwill and other intangibles
$105,425Life insurance assets
$2,005All other assets
$93,949Total liabilities and capital
$93,869Total liabilities
$72,350Total deposits
$93,869Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$80Subordinated debt
$11,476All other liabilities
$11,476Total equity capital
$11,476Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$4,300Surplus
$6,976Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$165Income earned, not collected on loans
$0Earning assets
$504Long-term assets (5+ years)
$92,710Average Assets, year-to-date
$32,004Average Assets, quarterly
$104,653Volatile liabilities
$104,158Insider loans
$72,808FHLB advances
$103,867Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,038Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,422Restructured Loans and leases
$378Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,889Total interest income
$564Total interest expense
$3,325Net interest income
$80Provision for loan and lease losses
$1,086Total noninterest income
$0Fiduciary activities
$771Service charges on deposit accounts
$0Trading account gains & fees
$315Additional noninterest income
$3,265Total noninterest expense
$1,641Salaries and employee benefits
$452Premises and equipment expense
$1,172Additional noninterest expense
$1,066Pre-tax net operating income
$0Securities gains (losses)
$240Applicable income taxes
$826Income before extraordinary items
$0Extraordinary gains - net
$826Net income attributable to bank
$0Net charge-offs
$826Cash dividends
$80Sale, conversion, retirement of capital stock, net
$50Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.32%Yield on earning assets
0.63%Cost of funding earning assets
3.69%Net interest margin
1.21%Noninterest income to earning assets
3.63%Noninterest expense to earning assets
0.79%Net operating income to assets
0.79%Return on assets (ROA)
1.02%Pretax return on assets
7.50%Return on equity (ROE)
7.05%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
14.32%Efficiency ratio
74,019Assets per employee
3.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
6.05%Loss allowance to loans
2.11%Loss allowance to noncurrent loans
833.94%Noncurrent assets plus other real estate owned to assets
0.90%Noncurrent loans to loans
0.25%Net loans and leases to deposits
68.16%Net loans and leases to core deposits
73.52%Equity capital to assets
10.89%Core capital (leverage) ratio
10.63%Tier 1 risk-based capital ratio
15.16%Total risk-based capital ratio
Memoranda
$16Average assets
$104,653Average earning assets
$11,007Average equity
$90,027Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	10467	Lindale State Bank	101 South Main Street, Lindale, TX 75771	June 21, 1945	Full Service Brick and Mortar
2	237832	Lindale Branch	16921 Village Lake Dr, Lindale, TX 75771	July 20, 1998	Full Service Brick and Mortar

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

Lindale State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Lindale State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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