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- Banks in Texas (TX)
- State Bank and Trust Company
State Bank and Trust Company in San Marcos, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of March 22, 1996
- State Bank and Trust Company in San Marcos, Texas (TX)
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State Bank and Trust Company - Overview
- General
- FDIC Certificate #: 8450
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Frost National Bank (#5510)
Federal Reserve ID: 227964
Date Established: March 06, 1906
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 4 (Interstate: No)
FDIC's unique #: 5379
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 22, 1996
Last Structure Change Process Date: April 11, 1996
Last Data Update: April 11, 1996
Data Source Date: April 05, 2012 - Location
- Address: Guadalupe At Hutchison Street, San Marcos, TX 78666
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) - Financial Summary
- Total assets: $117.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1995)
- Dollar figures in thousands
- 0Total employees (full-time equivalent)
- $75Total assets
- $117,758Cash and due from depository institutions
- $8,802Interest-bearing balances
- $0Securities
- $40,641Federal funds sold & reverse repurchase agreements
- $12,500Net loans & leases
- $49,760Loan loss allowance
- $733Trading account assets
- $0Bank premises and fixed assets
- $3,614Other real estate owned
- $492Goodwill and other intangibles
- $1,949Life insurance assets
- $0All other assets
- $0Total liabilities and capital
- $117,758Total liabilities
- $111,409Total deposits
- $107,790Interest-bearing deposits
- $73,864Deposits held in domestic offices
- 107790.00%% insured (estimated)
- $82Federal funds purchased & repurchase agreements
- $0Trading liabilities
- $0Other borrowed funds
- $0Subordinated debt
- $0All other liabilities
- $3,619Total equity capital
- $3,619Total bank equity capital
- $6,349Perpetual preferred stock
- $0Common stock
- $1,969Surplus
- $4,031Undivided profits
- Memoranda
- $349Noncurrent loans and leases
- $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $151Income earned, not collected on loans
- $408Earning assets
- $102,901Long-term assets (5+ years)
- $3,133Average Assets, year-to-date
- $112,973Average Assets, quarterly
- $116,848Volatile liabilities
- $4,242Insider loans
- $1,130FHLB advances
- $0Loans and leases held for sale
- $0Unused loan commitments
- $7,478Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $6,424Total risk weighted assets
- $58,268Total unused commitments
- $0Restructured Loans and leases
- $0Derivatives
Income and Expense (December 31, 1995)
- Dollar figures in thousands
- $0Total interest income
- $7,797Total interest expense
- $2,481Net interest income
- $5,316Provision for loan and lease losses
- $0Total noninterest income
- $1,786Fiduciary activities
- $25Service charges on deposit accounts
- $1,198Trading account gains & fees
- $0Additional noninterest income
- $563Total noninterest expense
- $4,673Salaries and employee benefits
- $2,306Premises and equipment expense
- $803Additional noninterest expense
- $1,564Pre-tax net operating income
- $2,429Securities gains (losses)
- -$7Applicable income taxes
- $824Income before extraordinary items
- $1,598Extraordinary gains - net
- $0Net income attributable to bank
- $1,598Net charge-offs
- -$46Cash dividends
- $3,638Sale, conversion, retirement of capital stock, net
- $0Net operating income
Performance and Condition Ratios (December 31, 1995)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 0.00%Yield on earning assets
- 8.00%Cost of funding earning assets
- 2.55%Net interest margin
- 5.45%Noninterest income to earning assets
- 1.83%Noninterest expense to earning assets
- 4.79%Net operating income to assets
- 1.42%Return on assets (ROA)
- 1.41%Pretax return on assets
- 2.14%Return on equity (ROE)
- 20.08%Retained earnings to average equity (YTD only)
- -25.63%Net charge-offs to loans
- -0.10%Credit loss provision to net charge-offs
- 0.00%Efficiency ratio
- 65,798Assets per employee
- 1.57%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 227.66%Loss allowance to loans
- 1.45%Loss allowance to noncurrent loans
- 485.43%Noncurrent assets plus other real estate owned to assets
- 0.55%Noncurrent loans to loans
- 0.30%Net loans and leases to deposits
- 46.16%Net loans and leases to core deposits
- 48.06%Equity capital to assets
- 5.39%Core capital (leverage) ratio
- 5.73%Tier 1 risk-based capital ratio
- 11.02%Total risk-based capital ratio
- Memoranda
- $12Average assets
- $112,973Average earning assets
- $7,960Average equity
- $97,465Average loans
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- Banks in Texas (TX)
- State Bank and Trust Company
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