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



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The Pecos County State Bank routing number info

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The Pecos County State Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)40
Total assets$144,591
Cash and due from depository institutions$6,131
Interest-bearing balances$1,680
Securities$71,019
Federal funds sold & reverse repurchase agreements$360
Net loans & leases$63,155
Loan loss allowance $964
Trading account assets$0
Bank premises and fixed assets$869
Other real estate owned$0
Goodwill and other intangibles$61
All other assets$2,996
Life insurance assets$144,592
Total liabilities and capital$129,198
Total liabilities$128,861
Total deposits$95,767
Interest-bearing deposits$128,861
Deposits held in domestic offices$69
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $337
All other liabilities $15,394
Total equity capital$15,394
Total bank equity capital$15,394
Perpetual preferred stock$0
Common stock$900
Surplus$2,100
Undivided profits $12,394
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 $885
Earning assets $455
Long-term assets (5+ years) $876
Average Assets, year-to-date $136,214
Average Assets, quarterly $75,578
Volatile liabilities $140,281
Insider loans $143,769
FHLB advances $71,025
Loans and leases held for sale $146,039
Unused loan commitments $1,311
Tier 1 (core) risk-based capital $1,311
Tier 2 risk-based capital $12,997
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,351
Derivatives$2,286
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,177
Total interest expense $1,024
Net interest income $5,153
Provision for loan and lease losses $124
Total noninterest income $1,198
Fiduciary activities $2
Service charges on deposit accounts $687
Trading account gains & fees $0
Additional noninterest income $509
Total noninterest expense $4,413
Salaries and employee benefits $2,239
Premises and equipment expense $220
Additional noninterest expense $1,954
Pre-tax net operating income $1,814
Securities gains (losses) $183
Applicable income taxes $0
Income before extraordinary items $1,997
Extraordinary gains - net $0
Net income attributable to bank $1,997
Net charge-offs $0
Cash dividends $1,997
Sale, conversion, retirement of capital stock, net $70
Net operating income $708
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.69%
Cost of funding earning assets 0.78%
Net interest margin 3.91%
Noninterest income to earning assets 0.91%
Noninterest expense to earning assets 3.35%
Net operating income to assets 1.29%
Return on assets (ROA) 1.42%
Pretax return on assets 1.42%
Return on equity (ROE) 15.01%
Retained earnings to average equity (YTD only) 9.69%
Net charge-offs to loans 0.11%
Credit loss provision to net charge-offs 177.14%
Efficiency ratio27.69%
Assets per employee$69,485
Cash dividends to net income (YTD only)3.61%
Condition Ratios (%)
Loss allowance to loans 35.45%
Loss allowance to noncurrent loans 1.50%
Noncurrent assets plus other real estate owned to assets 108.93%
Noncurrent loans to loans 0.61%
Net loans and leases to deposits1.38%
Net loans and leases to core deposits 49.01%
Equity capital to assets 54.66%
Core capital (leverage) ratio 10.65%
Tier 1 risk-based capital ratio 8.90%
Total risk-based capital ratio 18.30%
Memoranda
Average assets$20
Average earning assets$140,281
Average equity $13,304
Average loans $131,828
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$215
Number of Accounts1
Personal trust and agency accounts$215
Employee benefit-defined contribution accounts$215
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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