The Bank and Trust, S.S.B. in Del Rio, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank and Trust, S.S.B. - Overview

  • General
  • FDIC Certificate #: 1184
    Status: Active
    Federal Reserve ID: 623454
    Date Established: January 01, 1910
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 13594
    FDIC's unique #: 812
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1200 Avenue F, Del Rio, TX 78840
    County: Val Verde
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Del Rio, TX (#19620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $400.7 mil
    Equity capital: $44.1 mil
    Deposits held in domestic offices: $333.5 mil
    Return on assets (ROA): 1.48% ($5.9 mil)
    Quarterly return on assets: 1.27% ($5.1 mil)
    Return on Equity (ROE): 13.99% ($6.2 mil)
    Quarterly return on equity: 11.48% ($5.1 mil)
    Net income: $5.8 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 1.48% ($5,930.7 mil)
    Quarterly Pretax return on assets: 1.27% ($5,089.2 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
  • 120Total employees (full-time equivalent)
  • $400,726Total assets
  • $32,530Cash and due from depository institutions
  • $17,654Interest-bearing balances
  • $153,058Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $188,990Net loans & leases
  • $1,210Loan loss allowance
  • $0Trading account assets
  • $10,516Bank premises and fixed assets
  • $0Other real estate owned
  • $3,863Goodwill and other intangibles
  • $400,726Life insurance assets
  • $11,769All other assets
  • $356,632Total liabilities and capital
  • $333,527Total liabilities
  • $258,691Total deposits
  • $333,527Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $3,105Subordinated debt
  • $44,094All other liabilities
  • $44,094Total equity capital
  • $44,094Total bank equity capital
  • $0Perpetual preferred stock
  • $2,990Common stock
  • $19,010Surplus
  • $22,094Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $67Income earned, not collected on loans
  • $0Earning assets
  • $1,717Long-term assets (5+ years)
  • $359,702Average Assets, year-to-date
  • $220,041Average Assets, quarterly
  • $393,143Volatile liabilities
  • $401,003Insider loans
  • $194,762FHLB advances
  • $394,675Loans and leases held for sale
  • $7,221Unused loan commitments
  • $6,861Tier 1 (core) risk-based capital
  • $33,400Tier 2 risk-based capital
  • $360Total risk weighted assets
  • $0Total unused commitments
  • $10,007Restructured Loans and leases
  • $8,160Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,077Total interest income
  • $3,828Total interest expense
  • $13,249Net interest income
  • $0Provision for loan and lease losses
  • $5,174Total noninterest income
  • $0Fiduciary activities
  • $1,247Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,927Additional noninterest income
  • $13,159Total noninterest expense
  • $7,419Salaries and employee benefits
  • $2,476Premises and equipment expense
  • $3,264Additional noninterest expense
  • $5,264Pre-tax net operating income
  • $565Securities gains (losses)
  • $0Applicable income taxes
  • $5,829Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,829Net income attributable to bank
  • $0Net charge-offs
  • $5,829Cash dividends
  • $29Sale, conversion, retirement of capital stock, net
  • $4,644Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.81%Net interest margin
  • 1.49%Noninterest income to earning assets
  • 3.78%Noninterest expense to earning assets
  • 1.34%Net operating income to assets
  • 1.48%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 13.99%Return on equity (ROE)
  • 2.84%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 181.52%Efficiency ratio
  • 69,191Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 79.67%Loss allowance to loans
  • 0.64%Loss allowance to noncurrent loans
  • 1805.97%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 56.66%Net loans and leases to core deposits
  • 62.32%Equity capital to assets
  • 11.00%Core capital (leverage) ratio
  • 8.46%Tier 1 risk-based capital ratio
  • 17.15%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $393,143Average earning assets
  • $41,656Average equity
  • $347,857Average loans

List of branches

  • 7 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0812The Bank And Trust, S.S.b.1200 Avenue F, Del Rio, TX 78840January 01, 1910Full Service Brick and Mortar
    1187985Detached Facility1200 Avenue F, Del Rio, TX 78840June 28, 1976Limited Service Facility
    27616Ann And North Branch102 North St, Brackettville, TX 78832January 01, 1906Full Service Brick and Mortar
    316901Sonora Branch229 Highway 77 North, Sonora, TX 76950January 03, 1983Full Service Brick and Mortar
    4430146Operations Center Branch1200 Veterans Blvd., Del Rio, TX 78840Febuary 12, 2004Limited Service Administrative
    5439306Knickerbocker Road Branch1460 Knickerbocker Road, San Angelo, TX 76904March 01, 2005Full Service Brick and Mortar
    6463401Bedell Avenue Branch2399 Bedell Avenue, Del Rio, TX 78840May 21, 2007Full Service Brick and Mortar

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