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

  • Round Top State Bank in Round Top, Texas (TX)
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Round Top State Bank - Overview

  • General
  • FDIC Certificate #: 19358
    Status: Active
    Federal Reserve ID: 665865
    Bank Holding Company (Regulatory Top Holder): Round Top Bancshares, Inc. (RSSDID: 2684721, Location: Round Top, TX)
    Date Established: January 01, 1912
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 13168
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 21, 1965
    Last Structure Change Effective Date: August 23, 2011
    Last Structure Change Process Date: August 30, 2011
    Last Data Update: August 30, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 N. Washington St, Round Top, TX 78954
    County: Fayette
    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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $354.9 mil
    Equity capital: $35.1 mil
    Deposits held in domestic offices: $317.8 mil
    Return on assets (ROA): 1.28% ($4.5 mil)
    Quarterly return on assets: 1.08% ($3.8 mil)
    Return on Equity (ROE): 13.06% ($4.6 mil)
    Quarterly return on equity: 10.81% ($3.8 mil)
    Net income: $4.3 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.74% ($6,175.3 mil)
    Quarterly Pretax return on assets: 1.39% ($4,933.2 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
  • 60Total employees (full-time equivalent)
  • $354,904Total assets
  • $20,247Cash and due from depository institutions
  • $15,421Interest-bearing balances
  • $173,844Securities
  • $11,710Federal funds sold & reverse repurchase agreements
  • $135,972Net loans & leases
  • $987Loan loss allowance
  • $0Trading account assets
  • $7,218Bank premises and fixed assets
  • $837Other real estate owned
  • $1,175Goodwill and other intangibles
  • $354,904Life insurance assets
  • $3,901All other assets
  • $319,792Total liabilities and capital
  • $317,755Total liabilities
  • $258,201Total deposits
  • $317,755Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,037Subordinated debt
  • $35,112All other liabilities
  • $35,112Total equity capital
  • $35,112Total bank equity capital
  • $0Perpetual preferred stock
  • $105Common stock
  • $7,896Surplus
  • $27,111Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $500Income earned, not collected on loans
  • $0Earning assets
  • $1,631Long-term assets (5+ years)
  • $336,947Average Assets, year-to-date
  • $156,901Average Assets, quarterly
  • $333,126Volatile liabilities
  • $352,754Insider loans
  • $159,565FHLB advances
  • $336,074Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $30,804Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,481Restructured Loans and leases
  • $1,133Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,459Total interest income
  • $3,309Total interest expense
  • $10,150Net interest income
  • $90Provision for loan and lease losses
  • $1,372Total noninterest income
  • $0Fiduciary activities
  • $1,062Service charges on deposit accounts
  • $0Trading account gains & fees
  • $310Additional noninterest income
  • $6,168Total noninterest expense
  • $2,993Salaries and employee benefits
  • $815Premises and equipment expense
  • $2,360Additional noninterest expense
  • $5,264Pre-tax net operating income
  • $540Securities gains (losses)
  • $1,545Applicable income taxes
  • $4,259Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,259Net income attributable to bank
  • $0Net charge-offs
  • $4,259Cash dividends
  • -$69Sale, conversion, retirement of capital stock, net
  • $504Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.25%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 3.20%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 1.95%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.74%Pretax return on assets
  • 13.06%Return on equity (ROE)
  • 11.51%Retained earnings to average equity (YTD only)
  • -0.05%Net charge-offs to loans
  • -130.43%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 53,532Assets per employee
  • 5.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.83%Loss allowance to loans
  • 0.72%Loss allowance to noncurrent loans
  • 197.40%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 42.79%Net loans and leases to core deposits
  • 44.75%Equity capital to assets
  • 9.89%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 19.30%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $333,126Average earning assets
  • $32,622Average equity
  • $316,914Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013168Round Top State Bank301 N. Washington St, Round Top, TX 78954January 01, 1912Full Service Brick and Mortar
    12480361442 East Austin Street Branch1442 East Austin Street, Giddings, TX 78942March 01, 1996Full Service Brick and Mortar
    2357973Lagrange Branch2010 W. Highway 71, La Grange, TX 78945September 05, 2000Full Service Brick and Mortar
    3432797Lexington Texas Branch8681 State Highway 77, Lexington, TX 78947November 01, 2004Full Service Brick and Mortar
    47111Eagle Bank Branch121 N 5th Street, Jarrell, TX 76537January 01, 1911Full Service Brick and Mortar

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