Texico State Bank in Texico, Illinois (IL)



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Texico State Bank routing number info

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Texico State Bank
GeneralFDIC Certificate #: 19693
Status: Active
Federal Reserve ID: 256049
Bank Holding Company (Regulatory Top Holder): Texico Bancshares Corporation (RSSDID: 1132841, Location: Texico, IL)
Date Established: January 01, 1920
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 13492
Numeric code: 13
Regulator: FED
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: Mortgage Lending Specialization
Date of Deposit Insurance: March 23, 1967
Last Structure Change Effective Date: March 09, 2011
Last Structure Change Process Date: March 22, 2011
Last Data Update: March 22, 2011
Data Source Date: April 05, 2012
LocationAddress: 13766 E Dix Texico Rd, Texico, IL 62889
County: Jefferson
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Mount Vernon
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Mount Vernon, IL (#34500)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Financial SummaryTotal assets: $9.7 mil
Equity capital: $0.9 mil
Deposits held in domestic offices: $8.3 mil
Return on assets (ROA): 0.91% ($0.1 mil)
Quarterly return on assets: -0.66% (-$0.1 mil)
Return on Equity (ROE): 9.27% ($0.1 mil)
Quarterly return on equity: -6.53% (-$0.1 mil)
Net income: $0.1 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.91% ($88.7 mil)
Quarterly Pretax return on assets: -0.66% (-$64.3 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)
Total employees (full-time equivalent)4
Total assets$9,742
Cash and due from depository institutions$333
Interest-bearing balances$3
Securities$5,599
Federal funds sold & reverse repurchase agreements$23
Net loans & leases$3,566
Loan loss allowance $58
Trading account assets$0
Bank premises and fixed assets$90
Other real estate owned$36
Goodwill and other intangibles$0
All other assets$95
Life insurance assets$9,742
Total liabilities and capital$8,816
Total liabilities$8,330
Total deposits$5,275
Interest-bearing deposits$8,330
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $486
All other liabilities $926
Total equity capital$926
Total bank equity capital$926
Perpetual preferred stock$0
Common stock$100
Surplus$804
Undivided profits $22
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $37
Average Assets, year-to-date $9,191
Average Assets, quarterly $3,242
Volatile liabilities $9,551
Insider loans $9,664
FHLB advances $4,095
Loans and leases held for sale $9,050
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $916
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $270
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $462
Total interest expense $58
Net interest income $404
Provision for loan and lease losses $0
Total noninterest income $100
Fiduciary activities $0
Service charges on deposit accounts $12
Trading account gains & fees $0
Additional noninterest income $88
Total noninterest expense $417
Salaries and employee benefits $208
Premises and equipment expense $41
Additional noninterest expense $168
Pre-tax net operating income $87
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $87
Extraordinary gains - net $0
Net income attributable to bank $87
Net charge-offs $0
Cash dividends $87
Sale, conversion, retirement of capital stock, net $0
Net operating income $61
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.33%
Cost of funding earning assets 0.67%
Net interest margin 4.66%
Noninterest income to earning assets 1.15%
Noninterest expense to earning assets 4.81%
Net operating income to assets 0.91%
Return on assets (ROA) 0.91%
Pretax return on assets 0.91%
Return on equity (ROE) 9.27%
Retained earnings to average equity (YTD only) 2.77%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$76,786
Cash dividends to net income (YTD only)2.44%
Condition Ratios (%)
Loss allowance to loans 70.11%
Loss allowance to noncurrent loans 1.60%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.37%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 42.81%
Equity capital to assets 42.81%
Core capital (leverage) ratio 9.51%
Tier 1 risk-based capital ratio 10.12%
Total risk-based capital ratio 22.37%
Memoranda
Average assets$24
Average earning assets$9,551
Average equity $938
Average loans $8,661
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1 Illinois Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
013492Texico State Bank13766 E Dix Texico Rd, Texico, IL 62889January 01, 1920Full Service Brick and Mortar
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