State Bank of De Kalb in De Kalb, Texas (TX)



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State Bank of De Kalb routing number info

Table of contents:
State Bank of De Kalb
GeneralFDIC Certificate #: 15463
Status: Active
Federal Reserve ID: 621357
Date Established: Febuary 19, 1937
WWW: http://www.statebankofdekalb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 9771
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: Febuary 20, 1937
Last Structure Change Effective Date: January 23, 2008
Last Structure Change Process Date: January 23, 2008
Last Data Update: January 23, 2008
Data Source Date: April 05, 2012
LocationAddress: 102 S.W. Runnels Street, De Kalb, TX 75559
County: Bowie
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): Texarkana, TX-Texarkana, AR (#8360)
Core Based Statistical Area (CBSA): Texarkana, TX-Texarkana, AR (#45500)
CBSA Metro Statistical Area: Texarkana, TX-Texarkana, AR (#45500)
Financial SummaryTotal assets: $120.5 mil
Equity capital: $17.5 mil
Deposits held in domestic offices: $102.8 mil
Return on assets (ROA): 1.66% ($2.0 mil)
Quarterly return on assets: 1.69% ($2.0 mil)
Return on Equity (ROE): 11.33% ($2.0 mil)
Quarterly return on equity: 11.66% ($2.1 mil)
Net income: $2.0 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.66% ($2,001.0 mil)
Quarterly Pretax return on assets: 1.69% ($2,037.1 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)
Total employees (full-time equivalent)31
Total assets$120,541
Cash and due from depository institutions$23,473
Interest-bearing balances$20,444
Securities$20,705
Federal funds sold & reverse repurchase agreements$500
Net loans & leases$73,363
Loan loss allowance $1,293
Trading account assets$0
Bank premises and fixed assets$463
Other real estate owned$513
Goodwill and other intangibles$0
All other assets$1,524
Life insurance assets$120,541
Total liabilities and capital$103,016
Total liabilities$102,827
Total deposits$83,456
Interest-bearing deposits$102,827
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $189
All other liabilities $17,525
Total equity capital$17,525
Total bank equity capital$17,525
Perpetual preferred stock$0
Common stock$5,050
Surplus$5,125
Undivided profits $7,350
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,836
Earning assets $0
Long-term assets (5+ years) $870
Average Assets, year-to-date $115,012
Average Assets, quarterly $28,002
Volatile liabilities $120,236
Insider loans $121,199
FHLB advances $83,085
Loans and leases held for sale $122,776
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $17,574
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,057
Derivatives$757
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,725
Total interest expense $615
Net interest income $5,110
Provision for loan and lease losses $500
Total noninterest income $413
Fiduciary activities $0
Service charges on deposit accounts $300
Trading account gains & fees $0
Additional noninterest income $113
Total noninterest expense $3,028
Salaries and employee benefits $1,547
Premises and equipment expense $313
Additional noninterest expense $1,168
Pre-tax net operating income $1,995
Securities gains (losses) -$5
Applicable income taxes $0
Income before extraordinary items $1,990
Extraordinary gains - net $0
Net income attributable to bank $1,990
Net charge-offs $0
Cash dividends $1,990
Sale, conversion, retirement of capital stock, net $226
Net operating income $1,889
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.98%
Cost of funding earning assets 0.54%
Net interest margin 4.45%
Noninterest income to earning assets 0.36%
Noninterest expense to earning assets 2.63%
Net operating income to assets 1.66%
Return on assets (ROA) 1.66%
Pretax return on assets 1.66%
Return on equity (ROE) 11.33%
Retained earnings to average equity (YTD only) 0.58%
Net charge-offs to loans 0.27%
Credit loss provision to net charge-offs 221.24%
Efficiency ratio11.04%
Assets per employee$54,825
Cash dividends to net income (YTD only)3.89%
Condition Ratios (%)
Loss allowance to loans 94.92%
Loss allowance to noncurrent loans 1.73%
Noncurrent assets plus other real estate owned to assets 70.42%
Noncurrent loans to loans 1.95%
Net loans and leases to deposits2.46%
Net loans and leases to core deposits 71.35%
Equity capital to assets 81.08%
Core capital (leverage) ratio 14.54%
Tier 1 risk-based capital ratio 14.31%
Total risk-based capital ratio 21.15%
Memoranda
Average assets$22
Average earning assets$120,236
Average equity $17,561
Average loans $114,922
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3 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09771State Bank Of De Kalb102 S.W. Runnels Street, De Kalb, TX 75559Febuary 19, 1937Full Service Brick and Mortar
2196096Detached Drive-In FacilitySouth Main, Clarksville, TX 75426September 24, 1979Limited Service Facility
332113Clarksville Branch200 West Main Street, Clarksville, TX 75426January 24, 1985Full Service Brick and Mortar
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