The Express Bank of Texas in Round Rock, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 14, 2006

  • The Express Bank of Texas in Round Rock, Texas (TX)
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The Express Bank of Texas - Overview

  • General
  • FDIC Certificate #: 57532
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: State Bank (#10346)
    Federal Reserve ID: 3193501
    Date Established: July 10, 2003
    WWW: http://www.theexpressbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 365109
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 10, 2003
    Last Structure Change Effective Date: Febuary 14, 2006
    Last Structure Change Process Date: Febuary 23, 2006
    Last Data Update: Febuary 23, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 3434 East Palm Valley Boulevard, Round Rock, TX 78664
    County: Williamson
    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
    Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • Financial Summary
  • Total assets: $42.8 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, 2005)

  • Dollar figures in thousands
  • 17Total employees (full-time equivalent)
  • $42,843Total assets
  • $2,374Cash and due from depository institutions
  • $0Interest-bearing balances
  • $12,470Securities
  • $4,650Federal funds sold & reverse repurchase agreements
  • $19,000Net loans & leases
  • $157Loan loss allowance
  • $0Trading account assets
  • $3,781Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $568All other assets
  • $42,843Total liabilities and capital
  • $38,713Total liabilities
  • $38,650Total deposits
  • $31,608Interest-bearing deposits
  • $38,650Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $63All other liabilities
  • $4,130Total equity capital
  • $4,130Total bank equity capital
  • $4,130Perpetual preferred stock
  • $0Common stock
  • $2,750Surplus
  • $2,750Undivided profits
  • Memoranda
  • $-1,370Noncurrent loans and leases
  • $2,300Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $10Earning assets
  • $0Long-term assets (5+ years)
  • $218Average Assets, year-to-date
  • $36,120Average Assets, quarterly
  • $7,712Volatile liabilities
  • $44,485Insider loans
  • $42,832FHLB advances
  • $7,328Loans and leases held for sale
  • $565Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,300Total unused commitments
  • $0Restructured Loans and leases
  • $157Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $1,999Total interest income
  • $785Total interest expense
  • $1,214Net interest income
  • $54Provision for loan and lease losses
  • $280Total noninterest income
  • $0Fiduciary activities
  • $11Service charges on deposit accounts
  • $0Trading account gains & fees
  • $269Additional noninterest income
  • $1,563Total noninterest expense
  • $718Salaries and employee benefits
  • $252Premises and equipment expense
  • $593Additional noninterest expense
  • -$123Pre-tax net operating income
  • -$82Securities gains (losses)
  • $0Applicable income taxes
  • -$205Income before extraordinary items
  • $0Extraordinary gains - net
  • -$205Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $17Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 2.06%Cost of funding earning assets
  • 3.19%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 4.11%Noninterest expense to earning assets
  • -0.28%Net operating income to assets
  • -0.46%Return on assets (ROA)
  • -0.46%Pretax return on assets
  • -4.72%Return on equity (ROE)
  • -4.72%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 317.65%Credit loss provision to net charge-offs
  • -4.06%Efficiency ratio
  • 104,618Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.82%Loss allowance to noncurrent loans
  • 1570.00%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 49.16%Net loans and leases to core deposits
  • 60.66%Equity capital to assets
  • 9.64%Core capital (leverage) ratio
  • 9.92%Tier 1 risk-based capital ratio
  • 16.15%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $44,485Average earning assets
  • $4,344Average equity
  • $38,053Average loans

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