The Bank and Trust, S.S.B. in Del Rio, Texas (TX)



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The Bank and Trust, S.S.B. routing number info

Table of contents:
The Bank and Trust, S.S.B.
GeneralFDIC Certificate #: 1184
Status: Active
Federal Reserve ID: 623454
Date Established: January 01, 1910
WWW: http://www.thebankandtrust.com
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
LocationAddress: 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 ChangesName Change
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)120
Total assets$400,726
Cash and due from depository institutions$32,530
Interest-bearing balances$17,654
Securities$153,058
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$188,990
Loan loss allowance $1,210
Trading account assets$0
Bank premises and fixed assets$10,516
Other real estate owned$0
Goodwill and other intangibles$3,863
All other assets$11,769
Life insurance assets$400,726
Total liabilities and capital$356,632
Total liabilities$333,527
Total deposits$258,691
Interest-bearing deposits$333,527
Deposits held in domestic offices$85
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$20,000
Other borrowed funds $0
Subordinated debt $3,105
All other liabilities $44,094
Total equity capital$44,094
Total bank equity capital$44,094
Perpetual preferred stock$0
Common stock$2,990
Surplus$19,010
Undivided profits $22,094
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 $67
Earning assets $0
Long-term assets (5+ years) $1,717
Average Assets, year-to-date $359,702
Average Assets, quarterly $220,041
Volatile liabilities $393,143
Insider loans $401,003
FHLB advances $194,762
Loans and leases held for sale $394,675
Unused loan commitments $7,221
Tier 1 (core) risk-based capital $6,861
Tier 2 risk-based capital $33,400
Total risk weighted assets $360
Total unused commitments $0
Restructured Loans and leases $10,007
Derivatives$8,160
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $17,077
Total interest expense $3,828
Net interest income $13,249
Provision for loan and lease losses $0
Total noninterest income $5,174
Fiduciary activities $0
Service charges on deposit accounts $1,247
Trading account gains & fees $0
Additional noninterest income $3,927
Total noninterest expense $13,159
Salaries and employee benefits $7,419
Premises and equipment expense $2,476
Additional noninterest expense $3,264
Pre-tax net operating income $5,264
Securities gains (losses) $565
Applicable income taxes $0
Income before extraordinary items $5,829
Extraordinary gains - net $0
Net income attributable to bank $5,829
Net charge-offs $0
Cash dividends $5,829
Sale, conversion, retirement of capital stock, net $29
Net operating income $4,644
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.91%
Cost of funding earning assets 1.10%
Net interest margin 3.81%
Noninterest income to earning assets 1.49%
Noninterest expense to earning assets 3.78%
Net operating income to assets 1.34%
Return on assets (ROA) 1.48%
Pretax return on assets 1.48%
Return on equity (ROE) 13.99%
Retained earnings to average equity (YTD only) 2.84%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio181.52%
Assets per employee$69,191
Cash dividends to net income (YTD only)3.34%
Condition Ratios (%)
Loss allowance to loans 79.67%
Loss allowance to noncurrent loans 0.64%
Noncurrent assets plus other real estate owned to assets 1805.97%
Noncurrent loans to loans 0.02%
Net loans and leases to deposits0.04%
Net loans and leases to core deposits 56.66%
Equity capital to assets 62.32%
Core capital (leverage) ratio 11.00%
Tier 1 risk-based capital ratio 8.46%
Total risk-based capital ratio 17.15%
Memoranda
Average assets$18
Average earning assets$393,143
Average equity $41,656
Average loans $347,857
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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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