Texas Leadership Bank in Royse City, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Texas Leadership Bank in Royse City, Texas (TX)
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Texas Leadership Bank - Overview

  • General
  • FDIC Certificate #: 58312
    Status: Active
    Federal Reserve ID: 3448180
    Date Established: October 10, 2006
    WWW: http://www.texasleadershipbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 445982
    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: October 10, 2006
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 121 W. Interstate Highway 30, Royse City, TX 75189
    County: Rockwall
    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): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
  • Financial Summary
  • Total assets: $57.9 mil
    Equity capital: $7.9 mil
    Deposits held in domestic offices: $49.8 mil
    Return on assets (ROA): -0.30% (-$0.2 mil)
    Quarterly return on assets: -0.25% (-$0.1 mil)
    Return on Equity (ROE): -2.03% (-$0.2 mil)
    Quarterly return on equity: -1.80% (-$0.1 mil)
    Net income: -$0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.30% (-$173.8 mil)
    Quarterly Pretax return on assets: -0.25% (-$144.8 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
  • 12Total employees (full-time equivalent)
  • $57,928Total assets
  • $7,307Cash and due from depository institutions
  • $6,442Interest-bearing balances
  • $10,737Securities
  • $2,995Federal funds sold & reverse repurchase agreements
  • $34,206Net loans & leases
  • $348Loan loss allowance
  • $0Trading account assets
  • $2,164Bank premises and fixed assets
  • $99Other real estate owned
  • $0Goodwill and other intangibles
  • $57,928Life insurance assets
  • $420All other assets
  • $49,985Total liabilities and capital
  • $49,774Total liabilities
  • $40,040Total deposits
  • $49,774Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $211Subordinated debt
  • $7,943All other liabilities
  • $7,943Total equity capital
  • $7,943Total bank equity capital
  • $0Perpetual preferred stock
  • $6,560Common stock
  • $6,476Surplus
  • $-5,093Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $45Income earned, not collected on loans
  • $0Earning assets
  • $131Long-term assets (5+ years)
  • $54,380Average Assets, year-to-date
  • $22,720Average Assets, quarterly
  • $53,874Volatile liabilities
  • $57,661Insider loans
  • $36,815FHLB advances
  • $56,899Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,844Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,442Restructured Loans and leases
  • $138Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,194Total interest income
  • $337Total interest expense
  • $1,857Net interest income
  • $71Provision for loan and lease losses
  • $246Total noninterest income
  • $0Fiduciary activities
  • $147Service charges on deposit accounts
  • $0Trading account gains & fees
  • $99Additional noninterest income
  • $2,193Total noninterest expense
  • $961Salaries and employee benefits
  • $275Premises and equipment expense
  • $957Additional noninterest expense
  • -$161Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$161Income before extraordinary items
  • $0Extraordinary gains - net
  • -$161Net income attributable to bank
  • $0Net charge-offs
  • -$161Cash dividends
  • $1,380Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 4.37%Noninterest expense to earning assets
  • -0.30%Net operating income to assets
  • -0.30%Return on assets (ROA)
  • -0.30%Pretax return on assets
  • -2.03%Return on equity (ROE)
  • -2.03%Retained earnings to average equity (YTD only)
  • 4.18%Net charge-offs to loans
  • 5.14%Credit loss provision to net charge-offs
  • -0.07%Efficiency ratio
  • 104,280Assets per employee
  • 4.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 773.33%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 68.72%Net loans and leases to core deposits
  • 73.23%Equity capital to assets
  • 13.71%Core capital (leverage) ratio
  • 13.79%Tier 1 risk-based capital ratio
  • 21.31%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $53,874Average earning assets
  • $7,928Average equity
  • $50,155Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0445982Texas Leadership Bank121 W. Interstate Highway 30, Royse City, TX 75189October 10, 2006Full Service Brick and Mortar
    1467650Messenger Service121 W. Interstate 30, Royse City, TX 75189October 10, 2006Limited Service Messenger

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