Spur Security Bank in Spur, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Spur Security Bank - Overview

  • General
  • FDIC Certificate #: 15460
    Status: Active
    Federal Reserve ID: 409265
    Bank Holding Company (Regulatory Top Holder): Espuela Bank Shares, Inc. (RSSDID: 1102554, Location: Spur, TX)
    Date Established: December 23, 1933
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 9768
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: Febuary 09, 1937
    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: 120 West Harris Street, Spur, TX 79370
    County: Dickens
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $45.9 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $41.2 mil
    Return on assets (ROA): 0.58% ($0.3 mil)
    Quarterly return on assets: 0.03% ($0.0 mil)
    Return on Equity (ROE): 5.43% ($0.3 mil)
    Quarterly return on equity: 0.26% ($0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.58% ($266.4 mil)
    Quarterly Pretax return on assets: 0.03% ($13.8 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
  • 9Total employees (full-time equivalent)
  • $45,938Total assets
  • $7,285Cash and due from depository institutions
  • $2,037Interest-bearing balances
  • $24,736Securities
  • $3,250Federal funds sold & reverse repurchase agreements
  • $9,880Net loans & leases
  • $109Loan loss allowance
  • $0Trading account assets
  • $248Bank premises and fixed assets
  • $18Other real estate owned
  • $0Goodwill and other intangibles
  • $45,938Life insurance assets
  • $521All other assets
  • $41,309Total liabilities and capital
  • $41,225Total liabilities
  • $27,517Total deposits
  • $41,225Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $84Subordinated debt
  • $4,629All other liabilities
  • $4,629Total equity capital
  • $4,629Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $800Surplus
  • $3,429Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $103Income earned, not collected on loans
  • $0Earning assets
  • $313Long-term assets (5+ years)
  • $39,903Average Assets, year-to-date
  • $23,416Average Assets, quarterly
  • $42,053Volatile liabilities
  • $46,033Insider loans
  • $18,204FHLB advances
  • $46,166Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,039Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,982Restructured Loans and leases
  • $150Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,478Total interest income
  • $334Total interest expense
  • $1,144Net interest income
  • $40Provision for loan and lease losses
  • $106Total noninterest income
  • $0Fiduciary activities
  • $78Service charges on deposit accounts
  • $0Trading account gains & fees
  • $28Additional noninterest income
  • $967Total noninterest expense
  • $498Salaries and employee benefits
  • $107Premises and equipment expense
  • $362Additional noninterest expense
  • $243Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $243Income before extraordinary items
  • $0Extraordinary gains - net
  • $243Net income attributable to bank
  • $0Net charge-offs
  • $243Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.09%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.17%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.58%Pretax return on assets
  • 5.43%Return on equity (ROE)
  • 4.31%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 666.67%Credit loss provision to net charge-offs
  • 47.17%Efficiency ratio
  • 77,360Assets per employee
  • 5.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.58%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 105.83%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 23.97%Net loans and leases to core deposits
  • 29.24%Equity capital to assets
  • 10.08%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 22.19%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $42,053Average earning assets
  • $4,478Average equity
  • $36,126Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09768Spur Security Bank120 West Harris Street, Spur, TX 79370December 23, 1933Full Service Brick and Mortar

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