The Bank and Trust of Bryan/College Station in Bryan, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Bank and Trust of Bryan/College Station in Bryan, Texas (TX)
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The Bank and Trust of Bryan/College Station - Overview

  • General
  • FDIC Certificate #: 58249
    Status: Active
    Federal Reserve ID: 3415454
    Date Established: May 23, 2006
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 444395
    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: May 23, 2006
    Last Structure Change Effective Date: May 06, 2010
    Last Structure Change Process Date: May 06, 2010
    Last Data Update: May 06, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1716 Briarcrest Drive, Suite 400, Bryan, TX 77802
    County: Brazos
    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
    Metropolitan Statistical Area (MSA): Bryan-College Station, TX (#1260)
    Core Based Statistical Area (CBSA): College Station-Bryan, TX (#17780)
    CBSA Metro Statistical Area: College Station-Bryan, TX (#17780)
  • Financial Summary
  • Total assets: $281.0 mil
    Equity capital: $31.2 mil
    Deposits held in domestic offices: $246.8 mil
    Return on assets (ROA): 0.88% ($2.5 mil)
    Quarterly return on assets: 0.87% ($2.4 mil)
    Return on Equity (ROE): 7.72% ($2.4 mil)
    Quarterly return on equity: 7.68% ($2.4 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.88% ($2,472.8 mil)
    Quarterly Pretax return on assets: 0.87% ($2,444.7 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
  • 63Total employees (full-time equivalent)
  • $281,003Total assets
  • $47,196Cash and due from depository institutions
  • $30,520Interest-bearing balances
  • $25,036Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $192,970Net loans & leases
  • $2,052Loan loss allowance
  • $0Trading account assets
  • $7,666Bank premises and fixed assets
  • $484Other real estate owned
  • $1,734Goodwill and other intangibles
  • $281,003Life insurance assets
  • $5,917All other assets
  • $249,809Total liabilities and capital
  • $246,785Total liabilities
  • $167,918Total deposits
  • $246,785Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 2360.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $664Subordinated debt
  • $31,194All other liabilities
  • $31,194Total equity capital
  • $31,194Total bank equity capital
  • $0Perpetual preferred stock
  • $4,770Common stock
  • $29,674Surplus
  • $-3,250Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $784Income earned, not collected on loans
  • $0Earning assets
  • $730Long-term assets (5+ years)
  • $248,526Average Assets, year-to-date
  • $92,144Average Assets, quarterly
  • $263,301Volatile liabilities
  • $273,940Insider loans
  • $183,441FHLB advances
  • $269,938Loans and leases held for sale
  • $4,037Unused loan commitments
  • $4,037Tier 1 (core) risk-based capital
  • $29,367Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,094Restructured Loans and leases
  • $3,662Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,766Total interest income
  • $1,591Total interest expense
  • $10,175Net interest income
  • $750Provision for loan and lease losses
  • $1,171Total noninterest income
  • $0Fiduciary activities
  • $713Service charges on deposit accounts
  • $0Trading account gains & fees
  • $458Additional noninterest income
  • $8,285Total noninterest expense
  • $4,127Salaries and employee benefits
  • $1,299Premises and equipment expense
  • $2,859Additional noninterest expense
  • $2,311Pre-tax net operating income
  • -$2Securities gains (losses)
  • $0Applicable income taxes
  • $2,309Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,309Net income attributable to bank
  • $0Net charge-offs
  • $2,309Cash dividends
  • $57Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 4.28%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 7.72%Return on equity (ROE)
  • 7.72%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 1315.79%Credit loss provision to net charge-offs
  • 53.70%Efficiency ratio
  • 72,008Assets per employee
  • 4.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 261.73%Noncurrent assets plus other real estate owned to assets
  • 0.45%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 78.19%Net loans and leases to core deposits
  • 80.34%Equity capital to assets
  • 11.10%Core capital (leverage) ratio
  • 10.88%Tier 1 risk-based capital ratio
  • 16.01%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $263,301Average earning assets
  • $29,922Average equity
  • $237,909Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0444395The Bank And Trust Of Bryan/College1716 Briarcrest Drive, Suite 400, Bryan, TX 77802May 23, 2006Full Service Brick and Mortar
    1489489Texas Avenue Branch2900 South Texas Avenue, Bryan, TX 77802March 03, 2009Full Service Brick and Mortar
    2490948College Station Branch2305 South Texas Avenue, College Station, TX 77840May 18, 2009Full Service Brick and Mortar
    3493030West Villa Maria Branch1920 West Villa Maria Road, Suite 200, Bryan, TX 77807Febuary 10, 2009Full Service Brick and Mortar
    4493031Highway 21 Banking Center Branch3400 Hwy 21 E, Bryan, TX 77808June 24, 2009Full Service Brick and Mortar

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