The Buckholts State Bank in Buckholts, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Buckholts State Bank - Overview

  • General
  • FDIC Certificate #: 11916
    Status: Active
    Federal Reserve ID: 53051
    Date Established: January 01, 1907
    WWW: http://www.buckholtsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 7610
    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: Other Specialized Lending < 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
  • Location
  • Address: 100 North Fourth Street, Buckholts, TX 76518
    County: Milam
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $61.6 mil
    Equity capital: $8.7 mil
    Deposits held in domestic offices: $52.8 mil
    Return on assets (ROA): 1.34% ($0.8 mil)
    Quarterly return on assets: 0.39% ($0.2 mil)
    Return on Equity (ROE): 9.35% ($0.8 mil)
    Quarterly return on equity: 2.73% ($0.2 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.34% ($824.9 mil)
    Quarterly Pretax return on assets: 0.39% ($240.1 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
  • 18Total employees (full-time equivalent)
  • $61,560Total assets
  • $12,622Cash and due from depository institutions
  • $11,912Interest-bearing balances
  • $25,033Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $20,665Net loans & leases
  • $250Loan loss allowance
  • $0Trading account assets
  • $446Bank premises and fixed assets
  • $31Other real estate owned
  • $0Goodwill and other intangibles
  • $61,560Life insurance assets
  • $763All other assets
  • $52,895Total liabilities and capital
  • $52,842Total liabilities
  • $43,884Total deposits
  • $52,842Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $53Subordinated debt
  • $8,665All other liabilities
  • $8,665Total equity capital
  • $8,665Total bank equity capital
  • $0Perpetual preferred stock
  • $844Common stock
  • $4,200Surplus
  • $3,621Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $51Income earned, not collected on loans
  • $0Earning assets
  • $333Long-term assets (5+ years)
  • $59,610Average Assets, year-to-date
  • $27,979Average Assets, quarterly
  • $58,953Volatile liabilities
  • $60,141Insider loans
  • $25,248FHLB advances
  • $60,301Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,665Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,550Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,599Total interest income
  • $478Total interest expense
  • $2,121Net interest income
  • $35Provision for loan and lease losses
  • $339Total noninterest income
  • $0Fiduciary activities
  • $293Service charges on deposit accounts
  • $0Trading account gains & fees
  • $46Additional noninterest income
  • $1,636Total noninterest expense
  • $1,117Salaries and employee benefits
  • $138Premises and equipment expense
  • $381Additional noninterest expense
  • $789Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $789Income before extraordinary items
  • $0Extraordinary gains - net
  • $789Net income attributable to bank
  • $0Net charge-offs
  • $789Cash dividends
  • $35Sale, conversion, retirement of capital stock, net
  • $371Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.72%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 1.34%Net operating income to assets
  • 1.34%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 9.35%Return on equity (ROE)
  • 4.95%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 23.54%Efficiency ratio
  • 66,504Assets per employee
  • 3.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.02%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 490.20%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 39.11%Net loans and leases to core deposits
  • 39.84%Equity capital to assets
  • 14.08%Core capital (leverage) ratio
  • 14.37%Tier 1 risk-based capital ratio
  • 34.32%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $58,953Average earning assets
  • $8,437Average equity
  • $57,023Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07610The Buckholts State Bank100 North Fourth Street, Buckholts, TX 76518January 01, 1907Full Service Brick and Mortar
    110135Rogers BranchElm And Mesquite Streets, Rogers, TX 76569June 17, 1942Full Service Brick and Mortar
    2225995Cameron Branch310 North Houston Street, Cameron, TX 76520January 27, 1997Full Service Brick and Mortar

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