The Bank of San Jacinto County, Coldspring, Texas in Coldspring, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Bank of San Jacinto County, Coldspring, Texas - Overview

  • General
  • FDIC Certificate #: 18942
    Status: Active
    Federal Reserve ID: 678052
    Bank Holding Company (Regulatory Top Holder): Banc Of San Jacinto County Bancshares, Inc., The (RSSDID: 1107456, Location: Coldspring, TX)
    Date Established: November 09, 1963
    WWW: http://www.banksjc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 12787
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: November 09, 1963
    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: 100 Hwy 150, Coldspring, TX 77331
    County: San Jacinto
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $33.2 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $28.9 mil
    Return on assets (ROA): 0.98% ($0.3 mil)
    Quarterly return on assets: 0.35% ($0.1 mil)
    Return on Equity (ROE): 7.80% ($0.3 mil)
    Quarterly return on equity: 2.74% ($0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.98% ($325.5 mil)
    Quarterly Pretax return on assets: 0.35% ($116.3 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
  • 15Total employees (full-time equivalent)
  • $33,216Total assets
  • $11,142Cash and due from depository institutions
  • $9,662Interest-bearing balances
  • $3,130Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $17,424Net loans & leases
  • $315Loan loss allowance
  • $0Trading account assets
  • $510Bank premises and fixed assets
  • $182Other real estate owned
  • $0Goodwill and other intangibles
  • $33,217Life insurance assets
  • $328All other assets
  • $28,970Total liabilities and capital
  • $28,940Total liabilities
  • $20,753Total deposits
  • $28,940Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $30Subordinated debt
  • $4,247All other liabilities
  • $4,247Total equity capital
  • $4,247Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $3,610Surplus
  • $437Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $310Income earned, not collected on loans
  • $0Earning assets
  • $100Long-term assets (5+ years)
  • $30,716Average Assets, year-to-date
  • $2,196Average Assets, quarterly
  • $33,430Volatile liabilities
  • $33,564Insider loans
  • $12,400FHLB advances
  • $33,804Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,139Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $471Restructured Loans and leases
  • $155Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,637Total interest income
  • $200Total interest expense
  • $1,437Net interest income
  • $0Provision for loan and lease losses
  • $476Total noninterest income
  • $0Fiduciary activities
  • $364Service charges on deposit accounts
  • $0Trading account gains & fees
  • $112Additional noninterest income
  • $1,584Total noninterest expense
  • $843Salaries and employee benefits
  • $211Premises and equipment expense
  • $530Additional noninterest expense
  • $329Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $329Income before extraordinary items
  • $0Extraordinary gains - net
  • $329Net income attributable to bank
  • $0Net charge-offs
  • $329Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 4.65%Net interest margin
  • 1.54%Noninterest income to earning assets
  • 5.12%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 7.80%Return on equity (ROE)
  • -1.68%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 82,802Assets per employee
  • 2.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 121.58%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 101.61%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 1.75%Net loans and leases to deposits
  • 60.21%Net loans and leases to core deposits
  • 60.74%Equity capital to assets
  • 12.79%Core capital (leverage) ratio
  • 12.24%Tier 1 risk-based capital ratio
  • 33.38%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $33,430Average earning assets
  • $4,219Average equity
  • $30,933Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012787The Bank Of San Jacinto County, Coldspring, Texas100 Hwy 150, Coldspring, TX 77331November 09, 1963Full Service Brick and Mortar

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