Nixon State Bank in Nixon, Texas (TX)

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Nixon State Bank
GeneralFDIC Certificate #: 9970
Status: Active
Federal Reserve ID: 705565
Bank Holding Company (Regulatory Top Holder): Nixon Bancshares, Inc. (RSSDID: 2741026, Location: Nixon, TX)
Date Established: January 01, 1906
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 6372
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: 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
LocationAddress: 200 North Nixon Avenue, Nixon, TX 78140
County: Gonzales
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $82.3 mil
Equity capital: $5.9 mil
Deposits held in domestic offices: $76.2 mil
Return on assets (ROA): 0.01% ($0.0 mil)
Quarterly return on assets: 0.22% ($0.2 mil)
Return on Equity (ROE): 0.15% ($0.0 mil)
Quarterly return on equity: 3.01% ($0.2 mil)
Net income: $0.0 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.01% ($8.2 mil)
Quarterly Pretax return on assets: 0.22% ($181.1 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)
Total employees (full-time equivalent)30
Total assets$82,340
Cash and due from depository institutions$31,905
Interest-bearing balances$28,247
Federal funds sold & reverse repurchase agreements$1,600
Net loans & leases$25,271
Loan loss allowance $320
Trading account assets$0
Bank premises and fixed assets$1,092
Other real estate owned$552
Goodwill and other intangibles$0
All other assets$1,834
Life insurance assets$82,340
Total liabilities and capital$76,401
Total liabilities$76,233
Total deposits$45,309
Interest-bearing deposits$76,233
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $168
All other liabilities $5,939
Total equity capital$5,939
Total bank equity capital$5,939
Perpetual preferred stock$0
Common stock$150
Undivided profits $3,939
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $434
Earning assets $0
Long-term assets (5+ years) $336
Average Assets, year-to-date $75,204
Average Assets, quarterly $12,287
Volatile liabilities $76,017
Insider loans $81,727
FHLB advances $33,560
Loans and leases held for sale $80,998
Unused loan commitments $1,082
Tier 1 (core) risk-based capital $1,082
Tier 2 risk-based capital $5,544
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,696
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,502
Total interest expense $218
Net interest income $2,284
Provision for loan and lease losses $140
Total noninterest income $557
Fiduciary activities $0
Service charges on deposit accounts $455
Trading account gains & fees $0
Additional noninterest income $102
Total noninterest expense $2,692
Salaries and employee benefits $1,501
Premises and equipment expense $431
Additional noninterest expense $760
Pre-tax net operating income $9
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $9
Extraordinary gains - net $0
Net income attributable to bank $9
Net charge-offs $0
Cash dividends $9
Sale, conversion, retirement of capital stock, net $205
Net operating income $144
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.59%
Cost of funding earning assets 0.31%
Net interest margin 3.28%
Noninterest income to earning assets 0.80%
Noninterest expense to earning assets 3.86%
Net operating income to assets 0.01%
Return on assets (ROA) 0.01%
Pretax return on assets 0.01%
Return on equity (ROE) 0.15%
Retained earnings to average equity (YTD only) -2.25%
Net charge-offs to loans 0.79%
Credit loss provision to net charge-offs 68.29%
Efficiency ratio0.73%
Assets per employee$94,755
Cash dividends to net income (YTD only)2.74%
Condition Ratios (%)
Loss allowance to loans 1600.00%
Loss allowance to noncurrent loans 1.25%
Noncurrent assets plus other real estate owned to assets 73.73%
Noncurrent loans to loans 1.20%
Net loans and leases to deposits1.70%
Net loans and leases to core deposits 33.15%
Equity capital to assets 33.40%
Core capital (leverage) ratio 7.21%
Tier 1 risk-based capital ratio 6.84%
Total risk-based capital ratio 16.52%
Average assets$18
Average earning assets$76,017
Average equity $6,002
Average loans $69,660
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3 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06372Nixon State Bank200 North Nixon Avenue, Nixon, TX 78140January 01, 1906Full Service Brick and Mortar
1221633La Vernia Branch13809 West Highway 87, La Vernia, TX 78121August 07, 1995Full Service Brick and Mortar
2221634China Grove Branch7411 East Highway 87, San Antonio, TX 78263August 17, 1998Full Service Brick and Mortar
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