State Bank and Trust Company, Dallas in Carrollton, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • State Bank and Trust Company, Dallas in Carrollton, Texas (TX)
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State Bank and Trust Company, Dallas - Overview

  • General
  • FDIC Certificate #: 26283
    Status: Active
    Federal Reserve ID: 727455
    Bank Holding Company (Regulatory Top Holder): Sb&T Holding, Inc. (RSSDID: 3464238, Location: Carrollton, TX)
    Date Established: June 17, 1985
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11160
    FDIC's unique #: 32676
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 17, 1985
    Last Structure Change Effective Date: January 01, 2012
    Last Structure Change Process Date: January 24, 2012
    Last Data Update: January 24, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 2517 Midway Road, Carrollton, TX 75006
    County: Dallas
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
  • Financial Summary
  • Total assets: $195.3 mil
    Equity capital: $25.5 mil
    Deposits held in domestic offices: $145.6 mil
    Return on assets (ROA): 1.34% ($2.6 mil)
    Quarterly return on assets: 1.53% ($3.0 mil)
    Return on Equity (ROE): 10.32% ($2.7 mil)
    Quarterly return on equity: 12.07% ($3.1 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.34% ($2,616.5 mil)
    Quarterly Pretax return on assets: 1.53% ($2,987.5 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
  • 34Total employees (full-time equivalent)
  • $195,259Total assets
  • $12,872Cash and due from depository institutions
  • $3,295Interest-bearing balances
  • $3,056Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $162,852Net loans & leases
  • $2,812Loan loss allowance
  • $0Trading account assets
  • $1,898Bank premises and fixed assets
  • $4,943Other real estate owned
  • $6,889Goodwill and other intangibles
  • $195,259Life insurance assets
  • $2,749All other assets
  • $169,758Total liabilities and capital
  • $145,648Total liabilities
  • $92,585Total deposits
  • $145,648Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $23,246Trading liabilities
  • $0Other borrowed funds
  • $864Subordinated debt
  • $25,501All other liabilities
  • $25,501Total equity capital
  • $25,501Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $20,500Surplus
  • $4,501Undivided 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
  • $478Long-term assets (5+ years)
  • $169,203Average Assets, year-to-date
  • $29,736Average Assets, quarterly
  • $196,173Volatile liabilities
  • $200,800Insider loans
  • $155,534FHLB advances
  • $195,966Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,527Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $34,849Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,475Total interest income
  • $1,620Total interest expense
  • $7,855Net interest income
  • $343Provision for loan and lease losses
  • $814Total noninterest income
  • $0Fiduciary activities
  • $679Service charges on deposit accounts
  • $0Trading account gains & fees
  • $135Additional noninterest income
  • $5,689Total noninterest expense
  • $3,058Salaries and employee benefits
  • $575Premises and equipment expense
  • $2,056Additional noninterest expense
  • $2,637Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,637Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,637Net income attributable to bank
  • $0Net charge-offs
  • $2,637Cash dividends
  • $216Sale, conversion, retirement of capital stock, net
  • $2,538Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.60%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 4.65%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 1.34%Net operating income to assets
  • 1.34%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 10.32%Return on equity (ROE)
  • 0.39%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 158.80%Credit loss provision to net charge-offs
  • 13.80%Efficiency ratio
  • 65,625Assets per employee
  • 5.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.25%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 487.35%Noncurrent assets plus other real estate owned to assets
  • 2.83%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 111.81%Net loans and leases to core deposits
  • 143.19%Equity capital to assets
  • 13.06%Core capital (leverage) ratio
  • 9.45%Tier 1 risk-based capital ratio
  • 11.91%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $196,173Average earning assets
  • $25,542Average equity
  • $169,094Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032676State Bank And Trust Company, Dallas2517 Midway Road, Carrollton, TX 75006June 17, 1985Full Service Brick and Mortar
    6418642Central Expressway Branch4228 North Central Expressway, Suite 30, Dallas, TX 75206December 09, 2002Full Service Brick and Mortar
    8471088Denton Branch2532 Lillian Miller Parkway, Denton, TX 76210Febuary 05, 2008Full Service Brick and Mortar

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