Pioneer Bank, SSB in Dripping Springs, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Pioneer Bank, SSB in Dripping Springs, Texas (TX)
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Pioneer Bank, SSB - Overview

  • General
  • FDIC Certificate #: 58577
    Status: Active
    Federal Reserve ID: 3595637
    Date Established: May 14, 2007
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 54013
    FDIC's unique #: 457289
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 14, 2007
    Last Structure Change Effective Date: May 14, 2007
    Last Structure Change Process Date: May 14, 2007
    Last Data Update: May 14, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Creek Road, Dripping Springs, TX 78620
    County: Hays
    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
    Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • History of Changes
  • Corrections
    Change in Geographic Region/Area/Territory/Field Office
    New Institution
  • Financial Summary
  • Total assets: $128.3 mil
    Equity capital: $17.6 mil
    Deposits held in domestic offices: $110.5 mil
    Return on assets (ROA): 0.67% ($0.9 mil)
    Quarterly return on assets: 0.85% ($1.1 mil)
    Return on Equity (ROE): 5.11% ($0.9 mil)
    Quarterly return on equity: 6.15% ($1.1 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.02% ($1,309.1 mil)
    Quarterly Pretax return on assets: 1.35% ($1,732.6 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
  • 21Total employees (full-time equivalent)
  • $128,343Total assets
  • $19,706Cash and due from depository institutions
  • $16,192Interest-bearing balances
  • $11,532Securities
  • $2,300Federal funds sold & reverse repurchase agreements
  • $89,526Net loans & leases
  • $792Loan loss allowance
  • $0Trading account assets
  • $3,793Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $128,343Life insurance assets
  • $1,486All other assets
  • $110,789Total liabilities and capital
  • $110,491Total liabilities
  • $96,949Total deposits
  • $110,491Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $298Subordinated debt
  • $17,554All other liabilities
  • $17,554Total equity capital
  • $17,554Total bank equity capital
  • $3,004Perpetual preferred stock
  • $1,298Common stock
  • $12,787Surplus
  • $465Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,004Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $389Income earned, not collected on loans
  • $0Earning assets
  • $337Long-term assets (5+ years)
  • $119,550Average Assets, year-to-date
  • $44,188Average Assets, quarterly
  • $115,249Volatile liabilities
  • $126,170Insider loans
  • $89,622FHLB advances
  • $126,662Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,385Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,583Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,880Total interest income
  • $1,246Total interest expense
  • $4,634Net interest income
  • $325Provision for loan and lease losses
  • $531Total noninterest income
  • $0Fiduciary activities
  • $87Service charges on deposit accounts
  • $0Trading account gains & fees
  • $444Additional noninterest income
  • $3,799Total noninterest expense
  • $2,071Salaries and employee benefits
  • $394Premises and equipment expense
  • $1,334Additional noninterest expense
  • $1,041Pre-tax net operating income
  • $137Securities gains (losses)
  • $407Applicable income taxes
  • $771Income before extraordinary items
  • $0Extraordinary gains - net
  • $771Net income attributable to bank
  • $0Net charge-offs
  • $771Cash dividends
  • $90Sale, conversion, retirement of capital stock, net
  • $15Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.47%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 5.11%Return on equity (ROE)
  • 5.01%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 361.11%Credit loss provision to net charge-offs
  • 15.18%Efficiency ratio
  • 73,553Assets per employee
  • 6.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.95%Loss allowance to loans
  • 0.88%Loss allowance to noncurrent loans
  • 203.60%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 81.03%Net loans and leases to core deposits
  • 83.93%Equity capital to assets
  • 13.68%Core capital (leverage) ratio
  • 13.73%Tier 1 risk-based capital ratio
  • 19.40%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $115,249Average earning assets
  • $15,101Average equity
  • $107,561Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0457289Pioneer Bank, Ssb100 Creek Road, Dripping Springs, TX 78620May 14, 2007Full Service Brick and Mortar

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