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

State Bank of Texas - Overview

  • General
  • FDIC Certificate #: 27074
    Status: Active
    Federal Reserve ID: 1157415
    Bank Holding Company (Regulatory Top Holder): Sbt Bancshares, Inc. (RSSDID: 3308677, Location: Dallas, TX)
    Date Established: October 19, 1987
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 16090
    FDIC's unique #: 38679
    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: October 19, 1987
    Last Structure Change Effective Date: September 22, 2010
    Last Structure Change Process Date: September 23, 2010
    Last Data Update: September 23, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 11950 Webb Chapel Road, Dallas, TX 75234
    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: $544.3 mil
    Equity capital: $87.0 mil
    Deposits held in domestic offices: $456.0 mil
    Return on assets (ROA): 0.54% ($2.9 mil)
    Quarterly return on assets: -1.93% (-$10.5 mil)
    Return on Equity (ROE): 3.70% ($3.2 mil)
    Quarterly return on equity: -12.25% (-$10.7 mil)
    Net income: $3.3 mil
    Quarterly Net income: -$2.7 mil
    Pretax return on assets: 0.54% ($2,939.4 mil)
    Quarterly Pretax return on assets: -1.93% (-$10,505.5 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
  • 42Total employees (full-time equivalent)
  • $544,326Total assets
  • $28,793Cash and due from depository institutions
  • $23,336Interest-bearing balances
  • $79,930Securities
  • $2,905Federal funds sold & reverse repurchase agreements
  • $411,402Net loans & leases
  • $6,754Loan loss allowance
  • $0Trading account assets
  • $5,675Bank premises and fixed assets
  • $3,209Other real estate owned
  • $229Goodwill and other intangibles
  • $544,326Life insurance assets
  • $12,183All other assets
  • $457,363Total liabilities and capital
  • $455,954Total liabilities
  • $421,125Total deposits
  • $455,954Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,409Subordinated debt
  • $86,963All other liabilities
  • $86,963Total equity capital
  • $86,963Total bank equity capital
  • $0Perpetual preferred stock
  • $826Common stock
  • $49,994Surplus
  • $36,143Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19,305Income earned, not collected on loans
  • $0Earning assets
  • $1,313Long-term assets (5+ years)
  • $517,573Average Assets, year-to-date
  • $83,252Average Assets, quarterly
  • $604,552Volatile liabilities
  • $561,046Insider loans
  • $450,085FHLB advances
  • $571,386Loans and leases held for sale
  • $5,883Unused loan commitments
  • $5,883Tier 1 (core) risk-based capital
  • $85,441Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,969Restructured Loans and leases
  • $10,906Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $32,466Total interest income
  • $5,925Total interest expense
  • $26,541Net interest income
  • $12,750Provision for loan and lease losses
  • $1,132Total noninterest income
  • $0Fiduciary activities
  • $730Service charges on deposit accounts
  • $0Trading account gains & fees
  • $402Additional noninterest income
  • $11,667Total noninterest expense
  • $3,774Salaries and employee benefits
  • $517Premises and equipment expense
  • $7,376Additional noninterest expense
  • $3,256Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,256Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,256Net income attributable to bank
  • $0Net charge-offs
  • $3,256Cash dividends
  • $17,604Sale, conversion, retirement of capital stock, net
  • $8,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.65%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 4.62%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 2.03%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.54%Return on assets (ROA)
  • 0.54%Pretax return on assets
  • 3.70%Return on equity (ROE)
  • -5.40%Retained earnings to average equity (YTD only)
  • 3.63%Net charge-offs to loans
  • 72.43%Credit loss provision to net charge-offs
  • 0.91%Efficiency ratio
  • 41,954Assets per employee
  • 12.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 245.70%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 34.99%Noncurrent assets plus other real estate owned to assets
  • 4.14%Noncurrent loans to loans
  • 4.62%Net loans and leases to deposits
  • 90.23%Net loans and leases to core deposits
  • 91.73%Equity capital to assets
  • 15.98%Core capital (leverage) ratio
  • 14.95%Tier 1 risk-based capital ratio
  • 18.98%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $604,552Average earning assets
  • $87,919Average equity
  • $574,165Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    038679State Bank Of Texas11950 Webb Chapel Road, Dallas, TX 75234October 19, 1987Full Service Brick and Mortar
    216746Garland Branch517 West I-30, Garland, TX 75041August 05, 1982Full Service Brick and Mortar
    4260773Richardson Branch500 W Belt Line Road, Richardson, TX 75080November 16, 1998Full Service Brick and Mortar
    5419341Irving Branch605 W. Airport Freeway, Irving, TX 75062August 20, 2003Full Service Brick and Mortar

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