Orange Savings Bank, ssb in Orange, Texas (TX)

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Orange Savings Bank, ssb routing number info

Table of contents:
Orange Savings Bank, ssb
GeneralFDIC Certificate #: 30696
Status: Active
Federal Reserve ID: 425975
Bank Holding Company (Regulatory Top Holder): Osb Financial Services, Inc. (RSSDID: 2950257, Location: Orange, TX)
Date Established: May 17, 1954
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 5761
FDIC's unique #: 43530
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: Commercial Lending Specialization
Date of Deposit Insurance: May 17, 1954
Last Structure Change Effective Date: October 16, 2008
Last Structure Change Process Date: October 21, 2008
Last Data Update: October 21, 2008
Data Source Date: April 05, 2012
LocationAddress: 812 Sixteenth Street, Orange, TX 77630
County: Orange
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Houston
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Beaumont-Port Arthur, TX (#840)
Core Based Statistical Area (CBSA): Beaumont-Port Arthur, TX (#13140)
CBSA Metro Statistical Area: Beaumont-Port Arthur, TX (#13140)
Financial SummaryTotal assets: $401.1 mil
Equity capital: $41.5 mil
Deposits held in domestic offices: $348.2 mil
Return on assets (ROA): 1.27% ($5.1 mil)
Quarterly return on assets: 1.09% ($4.4 mil)
Return on Equity (ROE): 12.07% ($4.9 mil)
Quarterly return on equity: 10.54% ($4.3 mil)
Net income: $4.9 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 1.27% ($5,093.9 mil)
Quarterly Pretax return on assets: 1.09% ($4,371.9 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)
Total employees (full-time equivalent)94
Total assets$401,095
Cash and due from depository institutions$12,432
Interest-bearing balances$8,303
Federal funds sold & reverse repurchase agreements$500
Net loans & leases$240,973
Loan loss allowance $2,571
Trading account assets$0
Bank premises and fixed assets$7,201
Other real estate owned$3,465
Goodwill and other intangibles$2,208
All other assets$5,424
Life insurance assets$401,095
Total liabilities and capital$359,645
Total liabilities$348,243
Total deposits$301,910
Interest-bearing deposits$348,243
Deposits held in domestic offices$81
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,245
Other borrowed funds $0
Subordinated debt $1,157
All other liabilities $41,450
Total equity capital$41,450
Total bank equity capital$41,450
Perpetual preferred stock$0
Common stock$250
Undivided profits $20,770
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $4,925
Income earned, not collected on loans $566
Earning assets $0
Long-term assets (5+ years) $1,732
Average Assets, year-to-date $378,668
Average Assets, quarterly $220,950
Volatile liabilities $389,910
Insider loans $402,179
FHLB advances $236,364
Loans and leases held for sale $395,707
Unused loan commitments $1,109
Tier 1 (core) risk-based capital $1,109
Tier 2 risk-based capital $37,291
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $35,439
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $18,567
Total interest expense $3,225
Net interest income $15,342
Provision for loan and lease losses $550
Total noninterest income $1,550
Fiduciary activities $0
Service charges on deposit accounts $1,543
Trading account gains & fees $0
Additional noninterest income $7
Total noninterest expense $11,500
Salaries and employee benefits $5,464
Premises and equipment expense $1,354
Additional noninterest expense $4,682
Pre-tax net operating income $4,842
Securities gains (losses) $106
Applicable income taxes $0
Income before extraordinary items $4,948
Extraordinary gains - net $0
Net income attributable to bank $4,948
Net charge-offs $0
Cash dividends $4,948
Sale, conversion, retirement of capital stock, net $150
Net operating income $4,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.06%
Cost of funding earning assets 0.88%
Net interest margin 4.18%
Noninterest income to earning assets 0.42%
Noninterest expense to earning assets 3.14%
Net operating income to assets 1.24%
Return on assets (ROA) 1.27%
Pretax return on assets 1.27%
Return on equity (ROE) 12.07%
Retained earnings to average equity (YTD only) 1.09%
Net charge-offs to loans 0.06%
Credit loss provision to net charge-offs 366.67%
Efficiency ratio35.95%
Assets per employee$68,080
Cash dividends to net income (YTD only)4.27%
Condition Ratios (%)
Loss allowance to loans 90.95%
Loss allowance to noncurrent loans 1.06%
Noncurrent assets plus other real estate owned to assets 454.24%
Noncurrent loans to loans 1.00%
Net loans and leases to deposits0.23%
Net loans and leases to core deposits 69.20%
Equity capital to assets 78.99%
Core capital (leverage) ratio 10.33%
Tier 1 risk-based capital ratio 9.42%
Total risk-based capital ratio 15.78%
Average assets$17
Average earning assets$389,910
Average equity $41,002
Average loans $366,760
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6 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
043530Orange Savings Bank, Ssb812 Sixteenth Street, Orange, TX 77630May 17, 1954Full Service Brick and Mortar
1281716960 North Main Street Branch960 North Main Street, Vidor, TX 77662May 17, 1954Full Service Brick and Mortar
2260034Mclewis Branch2668 Hwy 62 N, Orange, TX 77632October 01, 1997Full Service Brick and Mortar
3260035Newton BranchRusk And Magnolia Streets, Newton, TX 75966April 13, 1998Full Service Brick and Mortar
4433269Highway 12 And Johnson Road BranchHighway 12 And Johnson Road, Mauriceville, TX 77626November 16, 2004Full Service Brick and Mortar
5527545Port Arthur Banch (Temporary Locatio3260 Central Mall Drive, Port Arthur, TX 77642October 31, 2011Full Service Brick and Mortar
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