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


Nixon State Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.nixonstatebank.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 30Total employees (full-time equivalent)
  • $82,340Total assets
  • $31,905Cash and due from depository institutions
  • $28,247Interest-bearing balances
  • $20,086Securities
  • $1,600Federal funds sold & reverse repurchase agreements
  • $25,271Net loans & leases
  • $320Loan loss allowance
  • $0Trading account assets
  • $1,092Bank premises and fixed assets
  • $552Other real estate owned
  • $0Goodwill and other intangibles
  • $82,340Life insurance assets
  • $1,834All other assets
  • $76,401Total liabilities and capital
  • $76,233Total liabilities
  • $45,309Total deposits
  • $76,233Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $168Subordinated debt
  • $5,939All other liabilities
  • $5,939Total equity capital
  • $5,939Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,850Surplus
  • $3,939Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $434Income earned, not collected on loans
  • $0Earning assets
  • $336Long-term assets (5+ years)
  • $75,204Average Assets, year-to-date
  • $12,287Average Assets, quarterly
  • $76,017Volatile liabilities
  • $81,727Insider loans
  • $33,560FHLB advances
  • $80,998Loans and leases held for sale
  • $1,082Unused loan commitments
  • $1,082Tier 1 (core) risk-based capital
  • $5,544Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,696Restructured Loans and leases
  • $475Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,502Total interest income
  • $218Total interest expense
  • $2,284Net interest income
  • $140Provision for loan and lease losses
  • $557Total noninterest income
  • $0Fiduciary activities
  • $455Service charges on deposit accounts
  • $0Trading account gains & fees
  • $102Additional noninterest income
  • $2,692Total noninterest expense
  • $1,501Salaries and employee benefits
  • $431Premises and equipment expense
  • $760Additional noninterest expense
  • $9Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $9Income before extraordinary items
  • $0Extraordinary gains - net
  • $9Net income attributable to bank
  • $0Net charge-offs
  • $9Cash dividends
  • $205Sale, conversion, retirement of capital stock, net
  • $144Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.59%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 3.86%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • 0.01%Pretax return on assets
  • 0.15%Return on equity (ROE)
  • -2.25%Retained earnings to average equity (YTD only)
  • 0.79%Net charge-offs to loans
  • 68.29%Credit loss provision to net charge-offs
  • 0.73%Efficiency ratio
  • 94,755Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1600.00%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 73.73%Noncurrent assets plus other real estate owned to assets
  • 1.20%Noncurrent loans to loans
  • 1.70%Net loans and leases to deposits
  • 33.15%Net loans and leases to core deposits
  • 33.40%Equity capital to assets
  • 7.21%Core capital (leverage) ratio
  • 6.84%Tier 1 risk-based capital ratio
  • 16.52%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $76,017Average earning assets
  • $6,002Average equity
  • $69,660Average loans

List of branches

  • 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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