The First State Bank in Hallsville, Texas (TX)
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| The First State Bank | |
|---|---|
| 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 WWW: http://www.fsbweb.com 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 17 |
| Total assets | $38,330 |
| Cash and due from depository institutions | $4,026 |
| Interest-bearing balances | $2,572 |
| Securities | $19,682 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $13,545 |
| Loan loss allowance | $113 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $639 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $438 |
| Life insurance assets | $38,330 |
| Total liabilities and capital | $34,794 |
| Total liabilities | $34,465 |
| Total deposits | $23,162 |
| Interest-bearing deposits | $34,465 |
| Deposits held in domestic offices | $97 |
| % insured (estimated) | 50.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $100 |
| Other borrowed funds | $0 |
| Subordinated debt | $179 |
| All other liabilities | $3,536 |
| Total equity capital | $3,536 |
| Total bank equity capital | $3,536 |
| Perpetual preferred stock | $0 |
| Common stock | $172 |
| Surplus | $1,750 |
| Undivided profits | $1,614 |
| 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 | $46 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $314 |
| Average Assets, year-to-date | $35,799 |
| Average Assets, quarterly | $21,310 |
| Volatile liabilities | $38,298 |
| Insider loans | $38,263 |
| FHLB advances | $14,949 |
| Loans and leases held for sale | $38,481 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $3,489 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $584 |
| Derivatives | $58 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,262 |
| Total interest expense | $102 |
| Net interest income | $1,160 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $369 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $218 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $151 |
| Total noninterest expense | $1,444 |
| Salaries and employee benefits | $780 |
| Premises and equipment expense | $179 |
| Additional noninterest expense | $485 |
| Pre-tax net operating income | $85 |
| Securities gains (losses) | $77 |
| Applicable income taxes | $40 |
| Income before extraordinary items | $122 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $122 |
| Net charge-offs | $0 |
| Cash dividends | $122 |
| Sale, conversion, retirement of capital stock, net | $1 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 3.54% |
| Cost of funding earning assets | 0.29% |
| Net interest margin | 3.25% |
| Noninterest income to earning assets | 1.04% |
| Noninterest expense to earning assets | 4.05% |
| Net operating income to assets | 0.17% |
| Return on assets (ROA) | 0.32% |
| Pretax return on assets | 0.42% |
| Return on equity (ROE) | 3.44% |
| Retained earnings to average equity (YTD only) | 3.44% |
| Net charge-offs to loans | 0.01% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 85.00% |
| Assets per employee | $94,441 |
| Cash dividends to net income (YTD only) | 2.25% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 0.83% |
| Noncurrent assets plus other real estate owned to assets | 245.65% |
| Noncurrent loans to loans | 0.12% |
| Net loans and leases to deposits | 0.34% |
| Net loans and leases to core deposits | 39.30% |
| Equity capital to assets | 40.14% |
| Core capital (leverage) ratio | 9.23% |
| Tier 1 risk-based capital ratio | 9.07% |
| Total risk-based capital ratio | 23.34% |
| Memoranda | |
| Average assets | $24 |
| Average earning assets | $38,298 |
| Average equity | $3,546 |
| Average loans | $35,645 |
| 2 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 7109 | The First State Bank | 500 West Main Street, Hallsville, TX 75650 | September 09, 1909 | Full Service Brick and Mortar |  |
| 1 | 224087 | Longview Branch | 901 North Eastman Road, Longview, TX 75601 | June 01, 1993 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.