The Elkhart State Bank in Elkhart, Texas (TX)
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| The Elkhart State Bank | |
|---|---|
| General | FDIC Certificate #: 19487 Status: Active Federal Reserve ID: 939351 Bank Holding Company (Regulatory Top Holder): Elkhart Bancorporation, Inc. (RSSDID: 2125206, Location: Elkhart, TX) Date Established: January 01, 1911 WWW: http://www.theelkhartstatebank.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 #: 13287 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: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: September 10, 1965 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: 109 West Parker Street, Elkhart, TX 75839 County: Anderson 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 Core Based Statistical Area (CBSA): Palestine, TX (#37300) CBSA Micro Statistical Area: Yes |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $45.1 mil Equity capital: $6.5 mil Deposits held in domestic offices: $38.1 mil Return on assets (ROA): 0.99% ($0.4 mil) Quarterly return on assets: 0.19% ($0.1 mil) Return on Equity (ROE): 6.65% ($0.4 mil) Quarterly return on equity: 1.29% ($0.1 mil) Net income: $0.4 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.18% ($532.4 mil) Quarterly Pretax return on assets: -0.12% (-$54.1 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 23 |
| Total assets | $45,115 |
| Cash and due from depository institutions | $6,074 |
| Interest-bearing balances | $0 |
| Securities | $18,049 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $18,864 |
| Loan loss allowance | $467 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $115 |
| Other real estate owned | $41 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,972 |
| Life insurance assets | $45,115 |
| Total liabilities and capital | $38,626 |
| Total liabilities | $38,061 |
| Total deposits | $21,020 |
| Interest-bearing deposits | $38,061 |
| Deposits held in domestic offices | $93 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $565 |
| All other liabilities | $6,489 |
| Total equity capital | $6,489 |
| Total bank equity capital | $6,489 |
| Perpetual preferred stock | $0 |
| Common stock | $100 |
| Surplus | $2,525 |
| Undivided profits | $3,864 |
| 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 | $802 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $412 |
| Average Assets, year-to-date | $36,913 |
| Average Assets, quarterly | $17,847 |
| Volatile liabilities | $41,344 |
| Insider loans | $44,151 |
| FHLB advances | $27,872 |
| Loans and leases held for sale | $44,090 |
| Unused loan commitments | $1,358 |
| Tier 1 (core) risk-based capital | $1,358 |
| Tier 2 risk-based capital | $6,010 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $452 |
| Derivatives | $147 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $2,526 |
| Total interest expense | $176 |
| Net interest income | $2,350 |
| Provision for loan and lease losses | $45 |
| Total noninterest income | $471 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $319 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $152 |
| Total noninterest expense | $2,343 |
| Salaries and employee benefits | $1,743 |
| Premises and equipment expense | $93 |
| Additional noninterest expense | $507 |
| Pre-tax net operating income | $433 |
| Securities gains (losses) | $54 |
| Applicable income taxes | $76 |
| Income before extraordinary items | $411 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $411 |
| Net charge-offs | $0 |
| Cash dividends | $411 |
| Sale, conversion, retirement of capital stock, net | $33 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 7.19% |
| Cost of funding earning assets | 0.50% |
| Net interest margin | 6.69% |
| Noninterest income to earning assets | 1.34% |
| Noninterest expense to earning assets | 6.67% |
| Net operating income to assets | 0.88% |
| Return on assets (ROA) | 0.99% |
| Pretax return on assets | 1.18% |
| Return on equity (ROE) | 6.65% |
| Retained earnings to average equity (YTD only) | 6.65% |
| Net charge-offs to loans | 0.18% |
| Credit loss provision to net charge-offs | 136.36% |
| Efficiency ratio | 14.48% |
| Assets per employee | $83,056 |
| Cash dividends to net income (YTD only) | 1.96% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.42% |
| Noncurrent assets plus other real estate owned to assets | 58.23% |
| Noncurrent loans to loans | 1.87% |
| Net loans and leases to deposits | 4.15% |
| Net loans and leases to core deposits | 49.56% |
| Equity capital to assets | 49.56% |
| Core capital (leverage) ratio | 14.38% |
| Tier 1 risk-based capital ratio | 13.63% |
| Total risk-based capital ratio | 21.56% |
| Memoranda | |
| Average assets | $23 |
| Average earning assets | $41,344 |
| Average equity | $6,185 |
| Average loans | $35,149 |
| 1 Texas Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 13287 | The Elkhart State Bank | 109 West Parker Street, Elkhart, TX 75839 | January 01, 1911 | Full Service Brick and Mortar |  |
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