Texas Bank and Trust Company in Longview, Texas (TX)



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Texas Bank and Trust Company
GeneralFDIC Certificate #: 17842
Status: Active
Federal Reserve ID: 949154
Bank Holding Company (Regulatory Top Holder): Overton Financial Corporation (RSSDID: 1138423, Location: Overton, TX)
Date Established: March 04, 1958
WWW: http://www.texasbankandtrust.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 13 (Domestic: 13, Interstate: No)
OTS Docket #: 11402
FDIC's unique #: 11784
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: March 04, 1958
Last Structure Change Effective Date: October 28, 2011
Last Structure Change Process Date: November 15, 2011
Last Data Update: November 15, 2011
Data Source Date: April 05, 2012
LocationAddress: 300 East Whaley Street, Longview, TX 75601
County: Gregg
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): Longview-Marshall, TX (#4420)
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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $1,431.3 mil
Equity capital: $134.2 mil
Deposits held in domestic offices: $1,244.3 mil
Return on assets (ROA): 1.17% ($16.7 mil)
Quarterly return on assets: 1.05% ($15.0 mil)
Return on Equity (ROE): 12.71% ($17.0 mil)
Quarterly return on equity: 11.36% ($15.2 mil)
Net income: $16.2 mil
Quarterly Net income: $3.8 mil
Pretax return on assets: 1.72% ($24,619.1 mil)
Quarterly Pretax return on assets: 1.54% ($22,042.7 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)350
Total assets$1,431,344
Cash and due from depository institutions$144,645
Interest-bearing balances$93,572
Securities$126,188
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$1,096,906
Loan loss allowance $20,126
Trading account assets$0
Bank premises and fixed assets$23,021
Other real estate owned$395
Goodwill and other intangibles$3,718
All other assets$36,471
Life insurance assets$1,431,344
Total liabilities and capital$1,297,144
Total liabilities$1,244,307
Total deposits$1,125,542
Interest-bearing deposits$1,244,307
Deposits held in domestic offices$72
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$50,000
Other borrowed funds $0
Subordinated debt $2,837
All other liabilities $134,200
Total equity capital$134,200
Total bank equity capital$134,200
Perpetual preferred stock$0
Common stock$2,000
Surplus$28,000
Undivided profits $104,200
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $270
Income earned, not collected on loans $7,859
Earning assets $0
Long-term assets (5+ years) $4,788
Average Assets, year-to-date $1,316,666
Average Assets, quarterly $365,031
Volatile liabilities $1,384,334
Insider loans $1,429,484
FHLB advances $1,026,003
Loans and leases held for sale $1,423,107
Unused loan commitments $11,771
Tier 1 (core) risk-based capital $11,771
Tier 2 risk-based capital $129,646
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $228,072
Derivatives$3,022
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $57,902
Total interest expense $8,686
Net interest income $49,216
Provision for loan and lease losses $5,400
Total noninterest income $15,920
Fiduciary activities $3,534
Service charges on deposit accounts $5,080
Trading account gains & fees $0
Additional noninterest income $7,306
Total noninterest expense $35,865
Salaries and employee benefits $20,732
Premises and equipment expense $4,598
Additional noninterest expense $10,535
Pre-tax net operating income $23,871
Securities gains (losses) $0
Applicable income taxes $7,696
Income before extraordinary items $16,175
Extraordinary gains - net $0
Net income attributable to bank $16,175
Net charge-offs $0
Cash dividends $16,175
Sale, conversion, retirement of capital stock, net $2,597
Net operating income $2,792
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.54%
Cost of funding earning assets 0.68%
Net interest margin 3.86%
Noninterest income to earning assets 1.25%
Noninterest expense to earning assets 2.81%
Net operating income to assets 1.17%
Return on assets (ROA) 1.17%
Pretax return on assets 1.72%
Return on equity (ROE) 12.71%
Retained earnings to average equity (YTD only) 10.51%
Net charge-offs to loans 0.24%
Credit loss provision to net charge-offs 207.93%
Efficiency ratio11.27%
Assets per employee$54,925
Cash dividends to net income (YTD only)4.09%
Condition Ratios (%)
Loss allowance to loans 17.26%
Loss allowance to noncurrent loans 1.80%
Noncurrent assets plus other real estate owned to assets 256.09%
Noncurrent loans to loans 0.58%
Net loans and leases to deposits0.70%
Net loans and leases to core deposits 88.15%
Equity capital to assets 92.29%
Core capital (leverage) ratio 9.38%
Tier 1 risk-based capital ratio 9.11%
Total risk-based capital ratio 12.64%
Memoranda
Average assets$14
Average earning assets$1,384,334
Average equity $127,291
Average loans $1,275,883
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$806,114
Number of Accounts1
Personal trust and agency accounts$613,777
Employee benefit-defined contribution accounts$159,346
Employee benefit-defined benefit accounts$74,594
Other retirement accounts$0
Corporate trust and agency accounts$19,288
Investment management agency accounts$0
Other fiduciary accounts$356,345
Fiduciary accounts held in foreign offices$4,204
Non-managed Assets$0
Number of Accounts775
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$16,397
Employee benefit-defined benefit accounts$0
Other retirement accounts$192,337
Corporate trust and agency accounts$760
Other fiduciary accounts$30,400
Fiduciary accounts held in foreign offices$131,387
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13 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011784Texas Bank And Trust Company300 East Whaley Street, Longview, TX 75601March 04, 1958Full Service Brick and Mortar
1242941Detached Facility405 East Whaley Street, Longview, TX 75601October 20, 1978Limited Service Facility
317635Pine Tree Branch1800 Northwest Loop 281, Longview, TX 75604July 27, 1984Full Service Brick and Mortar
5242944Pine Tree Convenience Center1801 Gilmer Road, Longview, TX 75604November 18, 1991Full Service Brick and Mortar
62026Cushing Branch7th And Spruce Streets, Cushing, TX 75760May 28, 1928Full Service Brick and Mortar
77828San Augustine Branch102 West Columbia, San Augustine, TX 75972June 22, 1925Full Service Brick and Mortar
8242945Marshall Branch715 East End Blvd, South, Marshall, TX 75670January 11, 1999Full Service Brick and Mortar
9242946North Longview Branch3622 Mccann Road, Longview, TX 75605November 15, 1999Full Service Brick and Mortar
10357176Gladewater Branch1623 East Broadway, Gladewater, TX 75647August 23, 1999Full Service Brick and Mortar
13439264Tyler Banking Center6530 South Broadway Ave., Tyler, TX 75703November 01, 2004Full Service Brick and Mortar
15441902Terrell Branch102 W High, Terrell, TX 75160August 09, 2004Full Service Brick and Mortar
19501638Grande Boulevard Branch2323 West Grande Boulevard, Tyler, TX 75703Febuary 01, 2010Full Service Brick and Mortar
2010881Van Branch660 West Main Street, Van, TX 75790Febuary 25, 1949Full Service Brick and Mortar
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