The Bank of Texas in Devine, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 28, 2011

The Bank of Texas in Devine, Texas (TX)
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The Bank of Texas routing number info

The Bank of Texas - Overview

General
FDIC Certificate #: 26905
Status: Inactive
Closing history: Participated in Reorganization
Acquiring institution: Security Bank (#13408)
Federal Reserve ID: 640152
Date Established: Febuary 23, 1987
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 36248
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: Febuary 23, 1987
Last Structure Change Effective Date: October 28, 2011
Last Structure Change Process Date: November 15, 2011
Last Data Update: November 15, 2011
Data Source Date: April 05, 2012
Location
Address: 100 East Hondo Street, Devine, TX 78016
County: Medina
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): San Antonio-New Braunfels, TX (#41700)
CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
History of Changes
Merger - Without Assistance
Participated in Reorganization
Financial Summary
Total assets: $47.5 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, 2010)

Dollar figures in thousands
25Total employees (full-time equivalent)
$51,296Total assets
$12,063Cash and due from depository institutions
$10,080Interest-bearing balances
$3,101Securities
$0Federal funds sold & reverse repurchase agreements
$29,301Net loans & leases
$523Loan loss allowance
$0Trading account assets
$3,951Bank premises and fixed assets
$1,965Other real estate owned
$0Goodwill and other intangibles
$57Life insurance assets
$915All other assets
$51,296Total liabilities and capital
$46,455Total liabilities
$44,116Total deposits
$31,329Interest-bearing deposits
$44,116Deposits held in domestic offices
93.93%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,000Other borrowed funds
$0Subordinated debt
$339All other liabilities
$4,841Total equity capital
$4,841Total bank equity capital
$4,841Perpetual preferred stock
$694Common stock
$4,306Surplus
$0Undivided profits
Memoranda
$-159Noncurrent loans and leases
$1,639Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$470Earning assets
$0Long-term assets (5+ years)
$151Average Assets, year-to-date
$42,482Average Assets, quarterly
$1,422Volatile liabilities
$55,662Insider loans
$51,898FHLB advances
$10,821Loans and leases held for sale
$108Unused loan commitments
$2,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,639Total unused commitments
$113Restructured Loans and leases
$443Derivatives

Income and Expense (December 31, 2010)

Dollar figures in thousands
$2,436Total interest income
$544Total interest expense
$1,892Net interest income
$402Provision for loan and lease losses
$496Total noninterest income
$0Fiduciary activities
$487Service charges on deposit accounts
$0Trading account gains & fees
$9Additional noninterest income
$3,275Total noninterest expense
$1,301Salaries and employee benefits
$384Premises and equipment expense
$1,590Additional noninterest expense
-$1,289Pre-tax net operating income
$0Securities gains (losses)
-$63Applicable income taxes
-$1,226Income before extraordinary items
$0Extraordinary gains - net
-$1,226Net income attributable to bank
$0Net charge-offs
-$1,226Cash dividends
$401Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2010)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.23%Yield on earning assets
1.17%Cost of funding earning assets
4.06%Net interest margin
1.07%Noninterest income to earning assets
7.03%Noninterest expense to earning assets
-2.20%Net operating income to assets
-2.20%Return on assets (ROA)
-2.32%Pretax return on assets
-22.29%Return on equity (ROE)
-22.29%Retained earnings to average equity (YTD only)
1.14%Net charge-offs to loans
100.25%Credit loss provision to net charge-offs
-2.21%Efficiency ratio
137,144Assets per employee
2.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.75%Loss allowance to noncurrent loans
111.28%Noncurrent assets plus other real estate owned to assets
4.75%Noncurrent loans to loans
1.58%Net loans and leases to deposits
66.42%Net loans and leases to core deposits
88.00%Equity capital to assets
9.44%Core capital (leverage) ratio
9.39%Tier 1 risk-based capital ratio
13.99%Total risk-based capital ratio
Memoranda
$15Average assets
$55,662Average earning assets
$5,501Average equity
$46,568Average loans

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