The Cowboy Bank of Texas in Maypearl, Texas (TX)



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The Cowboy Bank of Texas routing number info

Table of contents:
The Cowboy Bank of Texas
GeneralFDIC Certificate #: 12298
Status: Active
Federal Reserve ID: 370954
Bank Holding Company (Regulatory Top Holder): Maypearl Bancshares, Inc. (RSSDID: 2591267, Location: Maypearl, TX)
Date Established: January 01, 1930
WWW: http://www.cowboybank.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 #: 7818
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: January 01, 1934
Last Structure Change Effective Date: October 31, 2007
Last Structure Change Process Date: December 04, 2007
Last Data Update: December 04, 2007
Data Source Date: April 05, 2012
LocationAddress: 100 Main Street, Maypearl, TX 76064
County: Ellis
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Dallas
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
History of ChangesChange in Location
Name Change
Financial SummaryTotal assets: $51.0 mil
Equity capital: $4.8 mil
Deposits held in domestic offices: $46.1 mil
Return on assets (ROA): 2.39% ($1.2 mil)
Quarterly return on assets: 2.21% ($1.1 mil)
Return on Equity (ROE): 24.89% ($1.2 mil)
Quarterly return on equity: 23.27% ($1.2 mil)
Net income: $1.1 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 2.39% ($1,218.3 mil)
Quarterly Pretax return on assets: 2.21% ($1,126.5 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, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)15
Total assets$50,975
Cash and due from depository institutions$11,391
Interest-bearing balances$9,966
Securities$7,444
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$30,619
Loan loss allowance $334
Trading account assets$0
Bank premises and fixed assets$998
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$523
Life insurance assets$50,975
Total liabilities and capital$46,213
Total liabilities$46,141
Total deposits$38,417
Interest-bearing deposits$46,141
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $72
All other liabilities $4,762
Total equity capital$4,762
Total bank equity capital$4,762
Perpetual preferred stock$0
Common stock$100
Surplus$1,700
Undivided profits $2,962
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $167
Earning assets $0
Long-term assets (5+ years) $313
Average Assets, year-to-date $48,029
Average Assets, quarterly $9,456
Volatile liabilities $46,520
Insider loans $49,683
FHLB advances $28,317
Loans and leases held for sale $49,785
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,445
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,990
Derivatives$40
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,733
Total interest expense $392
Net interest income $2,341
Provision for loan and lease losses $81
Total noninterest income $561
Fiduciary activities $0
Service charges on deposit accounts $299
Trading account gains & fees $0
Additional noninterest income $262
Total noninterest expense $1,709
Salaries and employee benefits $860
Premises and equipment expense $142
Additional noninterest expense $707
Pre-tax net operating income $1,112
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,112
Extraordinary gains - net $0
Net income attributable to bank $1,112
Net charge-offs $0
Cash dividends $1,112
Sale, conversion, retirement of capital stock, net $87
Net operating income $728
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.43%
Cost of funding earning assets 0.92%
Net interest margin 5.51%
Noninterest income to earning assets 1.32%
Noninterest expense to earning assets 4.02%
Net operating income to assets 2.39%
Return on assets (ROA) 2.39%
Pretax return on assets 2.39%
Return on equity (ROE) 24.89%
Retained earnings to average equity (YTD only) 8.59%
Net charge-offs to loans 0.30%
Credit loss provision to net charge-offs 93.10%
Efficiency ratio13.71%
Assets per employee$58,890
Cash dividends to net income (YTD only)3.40%
Condition Ratios (%)
Loss allowance to loans 65.47%
Loss allowance to noncurrent loans 1.08%
Noncurrent assets plus other real estate owned to assets 200.00%
Noncurrent loans to loans 0.33%
Net loans and leases to deposits0.54%
Net loans and leases to core deposits 66.36%
Equity capital to assets 69.97%
Core capital (leverage) ratio 9.34%
Tier 1 risk-based capital ratio 8.93%
Total risk-based capital ratio 15.70%
Memoranda
Average assets$17
Average earning assets$46,520
Average equity $4,468
Average loans $42,506
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07818The Cowboy Bank Of Texas100 Main Street, Maypearl, TX 76064January 01, 1930Full Service Brick and Mortar
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