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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