Texas Bank in Henderson, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Texas Bank - Overview

  • General
  • FDIC Certificate #: 21074
    Status: Active
    Federal Reserve ID: 414764
    Bank Holding Company (Regulatory Top Holder): Henderson Texas Bancshares, Inc. (RSSDID: 3385511, Location: Henderson, TX)
    Date Established: May 05, 1973
    WWW: http://www.texasbnk.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 14563
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: May 05, 1973
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1120 Highway 79 North, Henderson, TX 75652
    County: Rusk
    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
    Combined Statistical Area (CSA): Longview-Marshall, TX (#346)
    Core Based Statistical Area (CBSA): Longview, TX (#30980)
    CBSA Metro Statistical Area: Longview, TX (#30980)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $290.5 mil
    Equity capital: $20.5 mil
    Deposits held in domestic offices: $255.5 mil
    Return on assets (ROA): 1.09% ($3.2 mil)
    Quarterly return on assets: 0.29% ($0.8 mil)
    Return on Equity (ROE): 16.21% ($3.2 mil)
    Quarterly return on equity: 4.03% ($0.8 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.09% ($3,166.8 mil)
    Quarterly Pretax return on assets: 0.29% ($842.5 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
  • 102Total employees (full-time equivalent)
  • $290,528Total assets
  • $8,180Cash and due from depository institutions
  • $1,780Interest-bearing balances
  • $148,787Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $122,396Net loans & leases
  • $1,622Loan loss allowance
  • $0Trading account assets
  • $3,317Bank premises and fixed assets
  • $883Other real estate owned
  • $0Goodwill and other intangibles
  • $290,528Life insurance assets
  • $6,965All other assets
  • $270,041Total liabilities and capital
  • $255,491Total liabilities
  • $222,623Total deposits
  • $255,491Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 660.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,353Trading liabilities
  • $0Other borrowed funds
  • $537Subordinated debt
  • $20,487All other liabilities
  • $20,487Total equity capital
  • $20,487Total bank equity capital
  • $0Perpetual preferred stock
  • $2Common stock
  • $5,998Surplus
  • $14,487Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $476Income earned, not collected on loans
  • $0Earning assets
  • $2,664Long-term assets (5+ years)
  • $272,963Average Assets, year-to-date
  • $127,602Average Assets, quarterly
  • $272,293Volatile liabilities
  • $285,270Insider loans
  • $150,747FHLB advances
  • $285,200Loans and leases held for sale
  • $2,571Unused loan commitments
  • $2,571Tier 1 (core) risk-based capital
  • $18,838Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,421Restructured Loans and leases
  • $1,543Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,438Total interest income
  • $3,419Total interest expense
  • $10,019Net interest income
  • $552Provision for loan and lease losses
  • $2,890Total noninterest income
  • $0Fiduciary activities
  • $2,265Service charges on deposit accounts
  • $0Trading account gains & fees
  • $625Additional noninterest income
  • $9,471Total noninterest expense
  • $6,092Salaries and employee benefits
  • $1,267Premises and equipment expense
  • $2,112Additional noninterest expense
  • $2,886Pre-tax net operating income
  • $71Securities gains (losses)
  • $0Applicable income taxes
  • $2,957Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,957Net income attributable to bank
  • $0Net charge-offs
  • $2,957Cash dividends
  • $487Sale, conversion, retirement of capital stock, net
  • $1,190Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.27%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 3.93%Net interest margin
  • 1.13%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 16.21%Return on equity (ROE)
  • 9.69%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 113.35%Credit loss provision to net charge-offs
  • 7.06%Efficiency ratio
  • 73,367Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.24%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 340.76%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 47.91%Net loans and leases to core deposits
  • 53.43%Equity capital to assets
  • 7.05%Core capital (leverage) ratio
  • 6.61%Tier 1 risk-based capital ratio
  • 12.50%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $272,293Average earning assets
  • $18,236Average equity
  • $255,038Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014563Texas Bank1120 Highway 79 North, Henderson, TX 75652May 05, 1973Full Service Brick and Mortar
    1252172Tatum Branch230 West Johnson Street, Tatum, TX 75691November 14, 1988Full Service Brick and Mortar
    2252173Nacogdoches Branch500 North Street, Nacogdoches, TX 75961March 01, 1999Full Service Brick and Mortar
    3444089Convenience Center Branch1815 Hwy 79 S., Henderson, TX 75654August 23, 2004Full Service Brick and Mortar
    4492703Longview Branch4018 Estes Parkway, Longview, TX 75607January 07, 2009Full Service Brick and Mortar
    5510233Rhones Quarter Rd. Branch5101 Rhones Quarter Rd., Tyler, TX 75707July 06, 2010Full Service Brick and Mortar

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