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

Plains State Bank - Overview

  • General
  • FDIC Certificate #: 17739
    Status: Active
    Federal Reserve ID: 972862
    Bank Holding Company (Regulatory Top Holder): Plains Acquisition Corporation (RSSDID: 3720082, Location: Humble, TX)
    Date Established: April 06, 1957
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 11696
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 06, 1957
    Last Structure Change Effective Date: November 01, 2010
    Last Structure Change Process Date: November 03, 2010
    Last Data Update: November 03, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 19404 Kenswick Drive, Humble, TX 77338
    County: Harris
    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): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $203.1 mil
    Equity capital: $24.3 mil
    Deposits held in domestic offices: $178.2 mil
    Return on assets (ROA): 1.10% ($2.2 mil)
    Quarterly return on assets: 1.05% ($2.1 mil)
    Return on Equity (ROE): 10.72% ($2.6 mil)
    Quarterly return on equity: 9.45% ($2.3 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.74% ($3,533.6 mil)
    Quarterly Pretax return on assets: 1.20% ($2,437.0 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
  • 40Total employees (full-time equivalent)
  • $203,080Total assets
  • $31,708Cash and due from depository institutions
  • $25,088Interest-bearing balances
  • $13,598Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $146,670Net loans & leases
  • $1,730Loan loss allowance
  • $0Trading account assets
  • $4,584Bank premises and fixed assets
  • $1,879Other real estate owned
  • $3,367Goodwill and other intangibles
  • $203,080Life insurance assets
  • $1,274All other assets
  • $178,790Total liabilities and capital
  • $178,176Total liabilities
  • $141,696Total deposits
  • $178,176Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $614Subordinated debt
  • $24,290All other liabilities
  • $24,290Total equity capital
  • $24,290Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $21,241Surplus
  • $2,899Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $577Income earned, not collected on loans
  • $0Earning assets
  • $702Long-term assets (5+ years)
  • $185,356Average Assets, year-to-date
  • $49,434Average Assets, quarterly
  • $188,639Volatile liabilities
  • $197,359Insider loans
  • $120,512FHLB advances
  • $191,456Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,389Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,780Restructured Loans and leases
  • $4,474Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,908Total interest income
  • $1,728Total interest expense
  • $8,180Net interest income
  • $225Provision for loan and lease losses
  • $3,310Total noninterest income
  • $0Fiduciary activities
  • $118Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,192Additional noninterest income
  • $8,117Total noninterest expense
  • $4,312Salaries and employee benefits
  • $826Premises and equipment expense
  • $2,979Additional noninterest expense
  • $3,148Pre-tax net operating income
  • $127Securities gains (losses)
  • $1,191Applicable income taxes
  • $2,084Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,084Net income attributable to bank
  • $0Net charge-offs
  • $2,084Cash dividends
  • $234Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.68%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.69%Net interest margin
  • 1.90%Noninterest income to earning assets
  • 4.65%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.74%Pretax return on assets
  • 10.72%Return on equity (ROE)
  • 10.72%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 96.15%Credit loss provision to net charge-offs
  • 14.41%Efficiency ratio
  • 68,607Assets per employee
  • 5.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 299.83%Noncurrent assets plus other real estate owned to assets
  • 1.21%Noncurrent loans to loans
  • 0.39%Net loans and leases to deposits
  • 82.32%Net loans and leases to core deposits
  • 92.76%Equity capital to assets
  • 11.96%Core capital (leverage) ratio
  • 11.17%Tier 1 risk-based capital ratio
  • 17.75%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $188,639Average earning assets
  • $19,432Average equity
  • $174,453Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011696Plains State Bank19404 Kenswick Drive, Humble, TX 77338April 06, 1957Full Service Brick and Mortar
    1481029Plains Branch9th Street, Plains, TX 79355September 08, 2008Full Service Brick and Mortar
    2507055Montrose Branch4203 Montrose Blvd., Houston, TX 77006April 02, 2010Full Service Brick and Mortar
    3508320Plains State Bank Branch3902 Fm 1960 West, Houston, TX 77068May 03, 2010Full Service Brick and Mortar

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