Texico State Bank in Texico, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Texico State Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total 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
  • 4Total employees (full-time equivalent)
  • $9,742Total assets
  • $333Cash and due from depository institutions
  • $3Interest-bearing balances
  • $5,599Securities
  • $23Federal funds sold & reverse repurchase agreements
  • $3,566Net loans & leases
  • $58Loan loss allowance
  • $0Trading account assets
  • $90Bank premises and fixed assets
  • $36Other real estate owned
  • $0Goodwill and other intangibles
  • $9,742Life insurance assets
  • $95All other assets
  • $8,816Total liabilities and capital
  • $8,330Total liabilities
  • $5,275Total deposits
  • $8,330Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $486Subordinated debt
  • $926All other liabilities
  • $926Total equity capital
  • $926Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $804Surplus
  • $22Undivided 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
  • $37Long-term assets (5+ years)
  • $9,191Average Assets, year-to-date
  • $3,242Average Assets, quarterly
  • $9,551Volatile liabilities
  • $9,664Insider loans
  • $4,095FHLB advances
  • $9,050Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $916Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $270Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $462Total interest income
  • $58Total interest expense
  • $404Net interest income
  • $0Provision for loan and lease losses
  • $100Total noninterest income
  • $0Fiduciary activities
  • $12Service charges on deposit accounts
  • $0Trading account gains & fees
  • $88Additional noninterest income
  • $417Total noninterest expense
  • $208Salaries and employee benefits
  • $41Premises and equipment expense
  • $168Additional noninterest expense
  • $87Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $87Income before extraordinary items
  • $0Extraordinary gains - net
  • $87Net income attributable to bank
  • $0Net charge-offs
  • $87Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $61Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.33%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 4.66%Net interest margin
  • 1.15%Noninterest income to earning assets
  • 4.81%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 9.27%Return on equity (ROE)
  • 2.77%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 76,786Assets per employee
  • 2.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.11%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 42.81%Net loans and leases to core deposits
  • 42.81%Equity capital to assets
  • 9.51%Core capital (leverage) ratio
  • 10.12%Tier 1 risk-based capital ratio
  • 22.37%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $9,551Average earning assets
  • $938Average equity
  • $8,661Average loans

List of branches

  • 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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