The Pecos County State Bank in Fort Stockton, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Pecos County State Bank in Fort Stockton, Texas (TX)
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The Pecos County State Bank - Overview

  • General
  • FDIC Certificate #: 13006
    Status: Active
    Federal Reserve ID: 396954
    Bank Holding Company (Regulatory Top Holder): Pecos County Bancshares, Inc. (RSSDID: 1109058, Location: Fort Stockton, TX)
    Date Established: May 11, 1928
    WWW: http://www.pcsbank.net
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 16047
    FDIC's unique #: 8217
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 05, 2011
    Last Structure Change Process Date: July 29, 2011
    Last Data Update: July 29, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 500 North Main Street, Fort Stockton, TX 79735
    County: Pecos
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $144.6 mil
    Equity capital: $15.4 mil
    Deposits held in domestic offices: $128.9 mil
    Return on assets (ROA): 1.42% ($2.1 mil)
    Quarterly return on assets: 1.51% ($2.2 mil)
    Return on Equity (ROE): 15.01% ($2.3 mil)
    Quarterly return on equity: 14.36% ($2.2 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.42% ($2,053.2 mil)
    Quarterly Pretax return on assets: 1.51% ($2,183.3 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
  • 40Total employees (full-time equivalent)
  • $144,591Total assets
  • $6,131Cash and due from depository institutions
  • $1,680Interest-bearing balances
  • $71,019Securities
  • $360Federal funds sold & reverse repurchase agreements
  • $63,155Net loans & leases
  • $964Loan loss allowance
  • $0Trading account assets
  • $869Bank premises and fixed assets
  • $0Other real estate owned
  • $61Goodwill and other intangibles
  • $144,592Life insurance assets
  • $2,996All other assets
  • $129,198Total liabilities and capital
  • $128,861Total liabilities
  • $95,767Total deposits
  • $128,861Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $337Subordinated debt
  • $15,394All other liabilities
  • $15,394Total equity capital
  • $15,394Total bank equity capital
  • $0Perpetual preferred stock
  • $900Common stock
  • $2,100Surplus
  • $12,394Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $885Income earned, not collected on loans
  • $455Earning assets
  • $876Long-term assets (5+ years)
  • $136,214Average Assets, year-to-date
  • $75,578Average Assets, quarterly
  • $140,281Volatile liabilities
  • $143,769Insider loans
  • $71,025FHLB advances
  • $146,039Loans and leases held for sale
  • $1,311Unused loan commitments
  • $1,311Tier 1 (core) risk-based capital
  • $12,997Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,351Restructured Loans and leases
  • $2,286Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,177Total interest income
  • $1,024Total interest expense
  • $5,153Net interest income
  • $124Provision for loan and lease losses
  • $1,198Total noninterest income
  • $2Fiduciary activities
  • $687Service charges on deposit accounts
  • $0Trading account gains & fees
  • $509Additional noninterest income
  • $4,413Total noninterest expense
  • $2,239Salaries and employee benefits
  • $220Premises and equipment expense
  • $1,954Additional noninterest expense
  • $1,814Pre-tax net operating income
  • $183Securities gains (losses)
  • $0Applicable income taxes
  • $1,997Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,997Net income attributable to bank
  • $0Net charge-offs
  • $1,997Cash dividends
  • $70Sale, conversion, retirement of capital stock, net
  • $708Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 3.35%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 15.01%Return on equity (ROE)
  • 9.69%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 177.14%Credit loss provision to net charge-offs
  • 27.69%Efficiency ratio
  • 69,485Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.45%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 108.93%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 1.38%Net loans and leases to deposits
  • 49.01%Net loans and leases to core deposits
  • 54.66%Equity capital to assets
  • 10.65%Core capital (leverage) ratio
  • 8.90%Tier 1 risk-based capital ratio
  • 18.30%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $140,281Average earning assets
  • $13,304Average equity
  • $131,828Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $215Managed Assets
  • 1Number of Accounts
  • $215Personal trust and agency accounts
  • $215Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08217The Pecos County State Bank500 North Main Street, Fort Stockton, TX 79735May 11, 1928Full Service Brick and Mortar
    1228735Detached Facility510 West Dickinson Boulevard, Fort Stockton, TX 79735July 01, 1980Limited Service Facility
    37390Sanderson Bank, Branch Of Pecos County State Bank216 West Oak Street, Sanderson, TX 79848July 01, 1907Full Service Brick and Mortar

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