Texas First State Bank in Riesel, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Texas First State Bank - Overview

  • General
  • FDIC Certificate #: 15300
    Status: Active
    Federal Reserve ID: 655660
    Bank Holding Company (Regulatory Top Holder): Texas First Bancshares, Inc. (RSSDID: 1104549, Location: Waco, TX)
    Date Established: January 01, 1906
    WWW: http://www.mytexasbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 9641
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: November 07, 1935
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 17, 2010
    Last Data Update: June 17, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 400 South Highway 6, Riesel, TX 76682
    County: Mclennan
    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): Waco, TX (#8800)
    Core Based Statistical Area (CBSA): Waco, TX (#47380)
    CBSA Metro Statistical Area: Waco, TX (#47380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $336.1 mil
    Equity capital: $23.4 mil
    Deposits held in domestic offices: $308.0 mil
    Return on assets (ROA): 0.86% ($2.9 mil)
    Quarterly return on assets: 0.86% ($2.9 mil)
    Return on Equity (ROE): 11.66% ($2.7 mil)
    Quarterly return on equity: 11.95% ($2.7 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.12% ($3,764.6 mil)
    Quarterly Pretax return on assets: 1.03% ($3,462.1 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
  • 59Total employees (full-time equivalent)
  • $336,122Total assets
  • $15,443Cash and due from depository institutions
  • $1,864Interest-bearing balances
  • $192,173Securities
  • $5,145Federal funds sold & reverse repurchase agreements
  • $110,267Net loans & leases
  • $800Loan loss allowance
  • $0Trading account assets
  • $9,072Bank premises and fixed assets
  • $255Other real estate owned
  • $650Goodwill and other intangibles
  • $336,122Life insurance assets
  • $3,117All other assets
  • $312,741Total liabilities and capital
  • $307,956Total liabilities
  • $257,815Total deposits
  • $307,956Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $785Subordinated debt
  • $23,381All other liabilities
  • $23,381Total equity capital
  • $23,381Total bank equity capital
  • $0Perpetual preferred stock
  • $25Common stock
  • $14,458Surplus
  • $8,898Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $541Income earned, not collected on loans
  • $0Earning assets
  • $1,511Long-term assets (5+ years)
  • $309,449Average Assets, year-to-date
  • $91,284Average Assets, quarterly
  • $303,423Volatile liabilities
  • $319,815Insider loans
  • $138,914FHLB advances
  • $317,704Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,708Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,998Restructured Loans and leases
  • $9,255Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,958Total interest income
  • $2,497Total interest expense
  • $8,461Net interest income
  • $120Provision for loan and lease losses
  • $974Total noninterest income
  • $0Fiduciary activities
  • $601Service charges on deposit accounts
  • $0Trading account gains & fees
  • $373Additional noninterest income
  • $6,198Total noninterest expense
  • $3,691Salaries and employee benefits
  • $598Premises and equipment expense
  • $1,909Additional noninterest expense
  • $3,117Pre-tax net operating income
  • $289Securities gains (losses)
  • $804Applicable income taxes
  • $2,602Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,602Net income attributable to bank
  • $0Net charge-offs
  • $2,602Cash dividends
  • $63Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.83%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 2.96%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.16%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 11.66%Return on equity (ROE)
  • 9.42%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 190.48%Credit loss provision to net charge-offs
  • 51.38%Efficiency ratio
  • 65,692Assets per employee
  • 5.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.22%Loss allowance to loans
  • 0.72%Loss allowance to noncurrent loans
  • 147.87%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 35.81%Net loans and leases to core deposits
  • 39.54%Equity capital to assets
  • 6.96%Core capital (leverage) ratio
  • 7.15%Tier 1 risk-based capital ratio
  • 16.35%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $303,423Average earning assets
  • $22,324Average equity
  • $286,296Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09641Texas First State Bank400 South Highway 6, Riesel, TX 76682January 01, 1906Full Service Brick and Mortar
    1233642Waco Branch4900 Sanger Avenue, Waco, TX 76710December 15, 1997Full Service Brick and Mortar
    2359929Santa Fe Branch101 Santa Fe Drive, Woodway, TX 76712May 08, 2001Full Service Brick and Mortar
    3423446Gatesville Branch2501 South Highway 36, Gatesville, TX 76528December 15, 2003Full Service Brick and Mortar
    4478798Temple Branch7285 W Adams, Temple, TX 76502December 06, 2007Full Service Brick and Mortar

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