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

  • The First State Bank in Hallsville, Texas (TX)
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The First State Bank - Overview

  • General
  • FDIC Certificate #: 11140
    Status: Active
    Federal Reserve ID: 341954
    Bank Holding Company (Regulatory Top Holder): Ruff Management, Llc (RSSDID: 3168107, Location: Longview, TX)
    Date Established: September 09, 1909
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7109
    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: Mortgage Lending Specialization
    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: 500 West Main Street, Hallsville, TX 75650
    County: Harrison
    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): Longview-Marshall, TX (#4420)
    Combined Statistical Area (CSA): Longview-Marshall, TX (#346)
    Core Based Statistical Area (CBSA): Marshall, TX (#32220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $38.3 mil
    Equity capital: $3.5 mil
    Deposits held in domestic offices: $34.5 mil
    Return on assets (ROA): 0.32% ($0.1 mil)
    Quarterly return on assets: -1.24% (-$0.5 mil)
    Return on Equity (ROE): 3.44% ($0.1 mil)
    Quarterly return on equity: -13.12% (-$0.5 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.42% ($161.0 mil)
    Quarterly Pretax return on assets: -1.90% (-$728.3 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
  • 17Total employees (full-time equivalent)
  • $38,330Total assets
  • $4,026Cash and due from depository institutions
  • $2,572Interest-bearing balances
  • $19,682Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $13,545Net loans & leases
  • $113Loan loss allowance
  • $0Trading account assets
  • $639Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $38,330Life insurance assets
  • $438All other assets
  • $34,794Total liabilities and capital
  • $34,465Total liabilities
  • $23,162Total deposits
  • $34,465Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 50.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $100Trading liabilities
  • $0Other borrowed funds
  • $179Subordinated debt
  • $3,536All other liabilities
  • $3,536Total equity capital
  • $3,536Total bank equity capital
  • $0Perpetual preferred stock
  • $172Common stock
  • $1,750Surplus
  • $1,614Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $46Income earned, not collected on loans
  • $0Earning assets
  • $314Long-term assets (5+ years)
  • $35,799Average Assets, year-to-date
  • $21,310Average Assets, quarterly
  • $38,298Volatile liabilities
  • $38,263Insider loans
  • $14,949FHLB advances
  • $38,481Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,489Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $584Restructured Loans and leases
  • $58Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,262Total interest income
  • $102Total interest expense
  • $1,160Net interest income
  • $0Provision for loan and lease losses
  • $369Total noninterest income
  • $0Fiduciary activities
  • $218Service charges on deposit accounts
  • $0Trading account gains & fees
  • $151Additional noninterest income
  • $1,444Total noninterest expense
  • $780Salaries and employee benefits
  • $179Premises and equipment expense
  • $485Additional noninterest expense
  • $85Pre-tax net operating income
  • $77Securities gains (losses)
  • $40Applicable income taxes
  • $122Income before extraordinary items
  • $0Extraordinary gains - net
  • $122Net income attributable to bank
  • $0Net charge-offs
  • $122Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.54%Yield on earning assets
  • 0.29%Cost of funding earning assets
  • 3.25%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 4.05%Noninterest expense to earning assets
  • 0.17%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.42%Pretax return on assets
  • 3.44%Return on equity (ROE)
  • 3.44%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 85.00%Efficiency ratio
  • 94,441Assets per employee
  • 2.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.83%Loss allowance to noncurrent loans
  • 245.65%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 39.30%Net loans and leases to core deposits
  • 40.14%Equity capital to assets
  • 9.23%Core capital (leverage) ratio
  • 9.07%Tier 1 risk-based capital ratio
  • 23.34%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $38,298Average earning assets
  • $3,546Average equity
  • $35,645Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07109The First State Bank500 West Main Street, Hallsville, TX 75650September 09, 1909Full Service Brick and Mortar
    1224087Longview Branch901 North Eastman Road, Longview, TX 75601June 01, 1993Full Service Brick and Mortar

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