Texas Bank and Trust Company in Longview, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Texas Bank and Trust Company in Longview, Texas (TX)
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Texas Bank and Trust Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 350Total employees (full-time equivalent)
  • $1,431,344Total assets
  • $144,645Cash and due from depository institutions
  • $93,572Interest-bearing balances
  • $126,188Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,096,906Net loans & leases
  • $20,126Loan loss allowance
  • $0Trading account assets
  • $23,021Bank premises and fixed assets
  • $395Other real estate owned
  • $3,718Goodwill and other intangibles
  • $1,431,344Life insurance assets
  • $36,471All other assets
  • $1,297,144Total liabilities and capital
  • $1,244,307Total liabilities
  • $1,125,542Total deposits
  • $1,244,307Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $50,000Trading liabilities
  • $0Other borrowed funds
  • $2,837Subordinated debt
  • $134,200All other liabilities
  • $134,200Total equity capital
  • $134,200Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $28,000Surplus
  • $104,200Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $270Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,859Income earned, not collected on loans
  • $0Earning assets
  • $4,788Long-term assets (5+ years)
  • $1,316,666Average Assets, year-to-date
  • $365,031Average Assets, quarterly
  • $1,384,334Volatile liabilities
  • $1,429,484Insider loans
  • $1,026,003FHLB advances
  • $1,423,107Loans and leases held for sale
  • $11,771Unused loan commitments
  • $11,771Tier 1 (core) risk-based capital
  • $129,646Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $228,072Restructured Loans and leases
  • $3,022Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $57,902Total interest income
  • $8,686Total interest expense
  • $49,216Net interest income
  • $5,400Provision for loan and lease losses
  • $15,920Total noninterest income
  • $3,534Fiduciary activities
  • $5,080Service charges on deposit accounts
  • $0Trading account gains & fees
  • $7,306Additional noninterest income
  • $35,865Total noninterest expense
  • $20,732Salaries and employee benefits
  • $4,598Premises and equipment expense
  • $10,535Additional noninterest expense
  • $23,871Pre-tax net operating income
  • $0Securities gains (losses)
  • $7,696Applicable income taxes
  • $16,175Income before extraordinary items
  • $0Extraordinary gains - net
  • $16,175Net income attributable to bank
  • $0Net charge-offs
  • $16,175Cash dividends
  • $2,597Sale, conversion, retirement of capital stock, net
  • $2,792Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.54%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 3.86%Net interest margin
  • 1.25%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.72%Pretax return on assets
  • 12.71%Return on equity (ROE)
  • 10.51%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 207.93%Credit loss provision to net charge-offs
  • 11.27%Efficiency ratio
  • 54,925Assets per employee
  • 4.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 17.26%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 256.09%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 88.15%Net loans and leases to core deposits
  • 92.29%Equity capital to assets
  • 9.38%Core capital (leverage) ratio
  • 9.11%Tier 1 risk-based capital ratio
  • 12.64%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,384,334Average earning assets
  • $127,291Average equity
  • $1,275,883Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $806,114Managed Assets
  • 1Number of Accounts
  • $613,777Personal trust and agency accounts
  • $159,346Employee benefit-defined contribution accounts
  • $74,594Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $19,288Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $356,345Other fiduciary accounts
  • $4,204Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 775Number of Accounts
  • $0Personal trust and agency accounts
  • $16,397Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $192,337Other retirement accounts
  • $760Corporate trust and agency accounts
  • $30,400Other fiduciary accounts
  • $131,387Fiduciary accounts held in foreign offices

List of branches

  • 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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