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


  • Muenster State Bank in Muenster, Texas (TX)
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Muenster State Bank - Overview

  • General
  • FDIC Certificate #: 15523
    Status: Active
    Federal Reserve ID: 765662
    Date Established: July 03, 1923
    WWW: http://www.msbtx.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 #: 9820
    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: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: July 31, 1937
    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: 201 North Main Street, Muenster, TX 76252
    County: Cooke
    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): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Gainesville, TX (#23620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $157.8 mil
    Equity capital: $20.2 mil
    Deposits held in domestic offices: $128.8 mil
    Return on assets (ROA): 2.11% ($3.3 mil)
    Quarterly return on assets: 0.97% ($1.5 mil)
    Return on Equity (ROE): 16.08% ($3.2 mil)
    Quarterly return on equity: 7.12% ($1.4 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 2.11% ($3,330.2 mil)
    Quarterly Pretax return on assets: 0.97% ($1,530.9 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
  • 17Total employees (full-time equivalent)
  • $157,828Total assets
  • $9,376Cash and due from depository institutions
  • $6,497Interest-bearing balances
  • $111,333Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $29,851Net loans & leases
  • $623Loan loss allowance
  • $0Trading account assets
  • $2,603Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $157,828Life insurance assets
  • $4,665All other assets
  • $137,623Total liabilities and capital
  • $128,798Total liabilities
  • $100,715Total deposits
  • $128,798Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,800Trading liabilities
  • $0Other borrowed funds
  • $25Subordinated debt
  • $20,205All other liabilities
  • $20,205Total equity capital
  • $20,205Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $5,000Surplus
  • $14,205Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $20Income earned, not collected on loans
  • $0Earning assets
  • $821Long-term assets (5+ years)
  • $147,681Average Assets, year-to-date
  • $108,935Average Assets, quarterly
  • $150,551Volatile liabilities
  • $155,064Insider loans
  • $54,337FHLB advances
  • $152,340Loans and leases held for sale
  • $2,115Unused loan commitments
  • $1,494Tier 1 (core) risk-based capital
  • $17,597Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $621Total unused commitments
  • $3,265Restructured Loans and leases
  • $2,497Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,063Total interest income
  • $605Total interest expense
  • $4,458Net interest income
  • $0Provision for loan and lease losses
  • $570Total noninterest income
  • $0Fiduciary activities
  • $312Service charges on deposit accounts
  • $0Trading account gains & fees
  • $258Additional noninterest income
  • $2,270Total noninterest expense
  • $1,202Salaries and employee benefits
  • $295Premises and equipment expense
  • $773Additional noninterest expense
  • $2,758Pre-tax net operating income
  • $423Securities gains (losses)
  • $0Applicable income taxes
  • $3,181Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,181Net income attributable to bank
  • $0Net charge-offs
  • $3,181Cash dividends
  • $11Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.58%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 3.15%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 1.60%Noninterest expense to earning assets
  • 1.83%Net operating income to assets
  • 2.11%Return on assets (ROA)
  • 2.11%Pretax return on assets
  • 16.08%Return on equity (ROE)
  • 5.97%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 250.73%Efficiency ratio
  • 45,147Assets per employee
  • 9.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.87%Loss allowance to loans
  • 2.04%Loss allowance to noncurrent loans
  • 3115.00%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 23.18%Net loans and leases to core deposits
  • 24.42%Equity capital to assets
  • 12.80%Core capital (leverage) ratio
  • 11.55%Tier 1 risk-based capital ratio
  • 32.38%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $150,551Average earning assets
  • $19,787Average equity
  • $141,462Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09820Muenster State Bank201 North Main Street, Muenster, TX 76252July 03, 1923Full Service Brick and Mortar
    1462234Msb Gainesville Banking Center1601 West Highway 82, Gainesville, TX 76240March 14, 2007Full Service Brick and Mortar

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