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 - 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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