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

Texas Financial Bank - Overview

  • General
  • FDIC Certificate #: 26738
    Status: Active
    Federal Reserve ID: 656658
    Bank Holding Company (Regulatory Top Holder): Eden Financial Corporation (RSSDID: 1140967, Location: San Angelo, TX)
    Date Established: July 31, 1986
    WWW: http://www.texasfinancialbank.com
    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 #: 35853
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: July 31, 1986
    Last Structure Change Effective Date: April 01, 2010
    Last Structure Change Process Date: April 19, 2010
    Last Data Update: April 19, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 220 Jackson Street, Eden, TX 76837
    County: Concho
    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
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $80.7 mil
    Equity capital: $7.9 mil
    Deposits held in domestic offices: $71.9 mil
    Return on assets (ROA): 0.84% ($0.7 mil)
    Quarterly return on assets: 0.46% ($0.4 mil)
    Return on Equity (ROE): 7.93% ($0.6 mil)
    Quarterly return on equity: 4.73% ($0.4 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.07% ($863.2 mil)
    Quarterly Pretax return on assets: 0.49% ($395.3 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
  • 21Total employees (full-time equivalent)
  • $80,677Total assets
  • $30,835Cash and due from depository institutions
  • $28,740Interest-bearing balances
  • $31,747Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $15,185Net loans & leases
  • $296Loan loss allowance
  • $0Trading account assets
  • $1,288Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $80,677Life insurance assets
  • $1,622All other assets
  • $72,778Total liabilities and capital
  • $71,891Total liabilities
  • $51,857Total deposits
  • $71,891Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $175Trading liabilities
  • $0Other borrowed funds
  • $712Subordinated debt
  • $7,899All other liabilities
  • $7,899Total equity capital
  • $7,899Total bank equity capital
  • $0Perpetual preferred stock
  • $700Common stock
  • $2,905Surplus
  • $4,294Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $373Long-term assets (5+ years)
  • $75,672Average Assets, year-to-date
  • $18,389Average Assets, quarterly
  • $77,598Volatile liabilities
  • $80,478Insider loans
  • $27,179FHLB advances
  • $81,640Loans and leases held for sale
  • $688Unused loan commitments
  • $688Tier 1 (core) risk-based capital
  • $7,275Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,607Restructured Loans and leases
  • $613Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,198Total interest income
  • $130Total interest expense
  • $2,068Net interest income
  • $18Provision for loan and lease losses
  • $1,121Total noninterest income
  • $0Fiduciary activities
  • $441Service charges on deposit accounts
  • $0Trading account gains & fees
  • $680Additional noninterest income
  • $2,344Total noninterest expense
  • $995Salaries and employee benefits
  • $344Premises and equipment expense
  • $1,005Additional noninterest expense
  • $827Pre-tax net operating income
  • $0Securities gains (losses)
  • $175Applicable income taxes
  • $652Income before extraordinary items
  • $0Extraordinary gains - net
  • $652Net income attributable to bank
  • $0Net charge-offs
  • $652Cash dividends
  • -$5Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.00%Yield on earning assets
  • 0.18%Cost of funding earning assets
  • 2.82%Net interest margin
  • 1.53%Noninterest income to earning assets
  • 3.20%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 7.93%Return on equity (ROE)
  • -4.23%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -360.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 73,503Assets per employee
  • 3.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 153.37%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 21.12%Net loans and leases to core deposits
  • 26.68%Equity capital to assets
  • 9.79%Core capital (leverage) ratio
  • 8.91%Tier 1 risk-based capital ratio
  • 26.77%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $77,598Average earning assets
  • $8,219Average equity
  • $73,227Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    035853Texas Financial Bank220 Jackson Street, Eden, TX 76837July 31, 1986Full Service Brick and Mortar
    37125The First State Bank Of Rankin/Branc922 Main St, Rankin, TX 79778January 01, 1927Full Service Brick and Mortar
    4431496Big Lake Branch1300 Second Street, Big Lake, TX 76932September 25, 2003Full Service Brick and Mortar

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