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

This bank is inactive as of June 09, 2008

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

  • General
  • FDIC Certificate #: 15637
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First State Bank Central Texas (#11151)
    Federal Reserve ID: 403058
    Date Established: December 31, 1938
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Interstate: No)
    OTS Docket #: 10655
    FDIC's unique #: 9916
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 03, 1939
    Last Structure Change Effective Date: June 09, 2008
    Last Structure Change Process Date: June 17, 2008
    Last Data Update: June 17, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 125 East Davilla Street, Granger, TX 76530
    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: $80.2 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, 2007)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $78,521Total assets
  • $2,567Cash and due from depository institutions
  • $96Interest-bearing balances
  • $26,283Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $45,735Net loans & leases
  • $945Loan loss allowance
  • $0Trading account assets
  • $449Bank premises and fixed assets
  • $0Other real estate owned
  • $165Goodwill and other intangibles
  • $0Life insurance assets
  • $1,322All other assets
  • $78,521Total liabilities and capital
  • $69,732Total liabilities
  • $67,910Total deposits
  • $52,257Interest-bearing deposits
  • $67,910Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,585Other borrowed funds
  • $0Subordinated debt
  • $237All other liabilities
  • $8,789Total equity capital
  • $8,789Total bank equity capital
  • $8,789Perpetual preferred stock
  • $0Common stock
  • $380Surplus
  • $5,620Undivided profits
  • Memoranda
  • $2,789Noncurrent loans and leases
  • $10,582Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $17Earning assets
  • $0Long-term assets (5+ years)
  • $694Average Assets, year-to-date
  • $74,114Average Assets, quarterly
  • $16,161Volatile liabilities
  • $77,406Insider loans
  • $78,216FHLB advances
  • $13,557Loans and leases held for sale
  • $232Unused loan commitments
  • $1,585Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,582Total unused commitments
  • $0Restructured Loans and leases
  • $632Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $5,343Total interest income
  • $1,904Total interest expense
  • $3,439Net interest income
  • $0Provision for loan and lease losses
  • $780Total noninterest income
  • $0Fiduciary activities
  • $442Service charges on deposit accounts
  • $0Trading account gains & fees
  • $338Additional noninterest income
  • $2,683Total noninterest expense
  • $1,414Salaries and employee benefits
  • $539Premises and equipment expense
  • $730Additional noninterest expense
  • $1,536Pre-tax net operating income
  • $3Securities gains (losses)
  • $0Applicable income taxes
  • $1,539Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,539Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $1,019Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.40%Yield on earning assets
  • 2.64%Cost of funding earning assets
  • 4.76%Net interest margin
  • 1.08%Noninterest income to earning assets
  • 3.72%Noninterest expense to earning assets
  • 1.98%Net operating income to assets
  • 1.99%Return on assets (ROA)
  • 1.99%Pretax return on assets
  • 18.15%Return on equity (ROE)
  • 6.13%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 768.00%Efficiency ratio
  • 63,593Assets per employee
  • 2.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.21%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 5558.82%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 67.35%Net loans and leases to core deposits
  • 84.14%Equity capital to assets
  • 11.19%Core capital (leverage) ratio
  • 11.19%Tier 1 risk-based capital ratio
  • 17.49%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $77,406Average earning assets
  • $8,477Average equity
  • $72,211Average loans

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