State Bank of De Kalb in De Kalb, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of De Kalb - Overview

  • General
  • FDIC Certificate #: 15463
    Status: Active
    Federal Reserve ID: 621357
    Date Established: Febuary 19, 1937
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 31Total employees (full-time equivalent)
  • $120,541Total assets
  • $23,473Cash and due from depository institutions
  • $20,444Interest-bearing balances
  • $20,705Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $73,363Net loans & leases
  • $1,293Loan loss allowance
  • $0Trading account assets
  • $463Bank premises and fixed assets
  • $513Other real estate owned
  • $0Goodwill and other intangibles
  • $120,541Life insurance assets
  • $1,524All other assets
  • $103,016Total liabilities and capital
  • $102,827Total liabilities
  • $83,456Total deposits
  • $102,827Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $189Subordinated debt
  • $17,525All other liabilities
  • $17,525Total equity capital
  • $17,525Total bank equity capital
  • $0Perpetual preferred stock
  • $5,050Common stock
  • $5,125Surplus
  • $7,350Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,836Income earned, not collected on loans
  • $0Earning assets
  • $870Long-term assets (5+ years)
  • $115,012Average Assets, year-to-date
  • $28,002Average Assets, quarterly
  • $120,236Volatile liabilities
  • $121,199Insider loans
  • $83,085FHLB advances
  • $122,776Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,574Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,057Restructured Loans and leases
  • $757Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,725Total interest income
  • $615Total interest expense
  • $5,110Net interest income
  • $500Provision for loan and lease losses
  • $413Total noninterest income
  • $0Fiduciary activities
  • $300Service charges on deposit accounts
  • $0Trading account gains & fees
  • $113Additional noninterest income
  • $3,028Total noninterest expense
  • $1,547Salaries and employee benefits
  • $313Premises and equipment expense
  • $1,168Additional noninterest expense
  • $1,995Pre-tax net operating income
  • -$5Securities gains (losses)
  • $0Applicable income taxes
  • $1,990Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,990Net income attributable to bank
  • $0Net charge-offs
  • $1,990Cash dividends
  • $226Sale, conversion, retirement of capital stock, net
  • $1,889Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 1.66%Net operating income to assets
  • 1.66%Return on assets (ROA)
  • 1.66%Pretax return on assets
  • 11.33%Return on equity (ROE)
  • 0.58%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 221.24%Credit loss provision to net charge-offs
  • 11.04%Efficiency ratio
  • 54,825Assets per employee
  • 3.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.92%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 70.42%Noncurrent assets plus other real estate owned to assets
  • 1.95%Noncurrent loans to loans
  • 2.46%Net loans and leases to deposits
  • 71.35%Net loans and leases to core deposits
  • 81.08%Equity capital to assets
  • 14.54%Core capital (leverage) ratio
  • 14.31%Tier 1 risk-based capital ratio
  • 21.15%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $120,236Average earning assets
  • $17,561Average equity
  • $114,922Average loans

List of branches

  • 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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