The First State Bank in Columbus, Texas (TX)

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The First State Bank routing number info

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The First State Bank
GeneralFDIC Certificate #: 12315
Status: Active
Federal Reserve ID: 801654
Bank Holding Company (Regulatory Top Holder): Columbus Bancorp, Inc. (RSSDID: 1898008, Location: Columbus, TX)
Date Established: March 01, 1913
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 10301
FDIC's unique #: 7830
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: Other Specialized Lending < 1 Billion
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
LocationAddress: 420 Walnut Street, Columbus, TX 78934
County: Colorado
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $119.9 mil
Equity capital: $18.1 mil
Deposits held in domestic offices: $101.8 mil
Return on assets (ROA): 1.20% ($1.4 mil)
Quarterly return on assets: 0.48% ($0.6 mil)
Return on Equity (ROE): 7.78% ($1.4 mil)
Quarterly return on equity: 3.16% ($0.6 mil)
Net income: $1.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.20% ($1,439.4 mil)
Quarterly Pretax return on assets: 0.48% ($575.8 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)16
Total assets$119,948
Cash and due from depository institutions$43,697
Interest-bearing balances$42,139
Federal funds sold & reverse repurchase agreements$12,085
Net loans & leases$19,667
Loan loss allowance $147
Trading account assets$0
Bank premises and fixed assets$1,176
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$835
Life insurance assets$119,948
Total liabilities and capital$101,829
Total liabilities$101,775
Total deposits$80,643
Interest-bearing deposits$101,775
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 $54
All other liabilities $18,119
Total equity capital$18,119
Total bank equity capital$18,119
Perpetual preferred stock$0
Common stock$800
Undivided profits $12,019
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 $5
Earning assets $0
Long-term assets (5+ years) $463
Average Assets, year-to-date $116,379
Average Assets, quarterly $25,008
Volatile liabilities $111,653
Insider loans $119,158
FHLB advances $39,009
Loans and leases held for sale $118,221
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $16,630
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,418
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,609
Total interest expense $659
Net interest income $2,950
Provision for loan and lease losses $1
Total noninterest income $352
Fiduciary activities $0
Service charges on deposit accounts $310
Trading account gains & fees $0
Additional noninterest income $42
Total noninterest expense $1,962
Salaries and employee benefits $1,010
Premises and equipment expense $261
Additional noninterest expense $691
Pre-tax net operating income $1,339
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,339
Extraordinary gains - net $0
Net income attributable to bank $1,339
Net charge-offs $0
Cash dividends $1,339
Sale, conversion, retirement of capital stock, net $3
Net operating income $246
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.36%
Cost of funding earning assets 0.61%
Net interest margin 2.74%
Noninterest income to earning assets 0.33%
Noninterest expense to earning assets 1.82%
Net operating income to assets 1.20%
Return on assets (ROA) 1.20%
Pretax return on assets 1.20%
Return on equity (ROE) 7.78%
Retained earnings to average equity (YTD only) 6.35%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 33.33%
Efficiency ratio446.67%
Assets per employee$59,419
Cash dividends to net income (YTD only)7.50%
Condition Ratios (%)
Loss allowance to loans 18.37%
Loss allowance to noncurrent loans 0.74%
Noncurrent assets plus other real estate owned to assets 2940.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.03%
Net loans and leases to core deposits 19.32%
Equity capital to assets 23.81%
Core capital (leverage) ratio 15.11%
Tier 1 risk-based capital ratio 14.07%
Total risk-based capital ratio 42.63%
Average assets$43
Average earning assets$111,653
Average equity $17,204
Average loans $107,513
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07830The First State Bank420 Walnut Street, Columbus, TX 78934March 01, 1913Full Service Brick and Mortar
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