The Roscoe State Bank in Roscoe, Texas (TX)
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| The Roscoe State Bank | |
|---|---|
| General | FDIC Certificate #: 1213 Status: Active Federal Reserve ID: 33268 Bank Holding Company (Regulatory Top Holder): Roscoe Financial Corporation (RSSDID: 1909445, Location: Roscoe, TX) Date Established: December 06, 1906 WWW: http://www.roscoestatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Domestic: 3, Interstate: No) FDIC's unique #: 831 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural 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: 117 Cypress St, Roscoe, TX 79545 County: Nolan 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 Core Based Statistical Area (CBSA): Sweetwater, TX (#45020) CBSA Micro Statistical Area: Yes |
| History of Changes | Change in Location Change in Geographic Region/Area/Territory/Field Office Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $149.3 mil Equity capital: $14.9 mil Deposits held in domestic offices: $127.9 mil Return on assets (ROA): 1.12% ($1.7 mil) Quarterly return on assets: 0.33% ($0.5 mil) Return on Equity (ROE): 11.17% ($1.7 mil) Quarterly return on equity: 3.24% ($0.5 mil) Net income: $1.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.12% ($1,671.7 mil) Quarterly Pretax return on assets: 0.33% ($492.5 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 35 |
| Total assets | $149,256 |
| Cash and due from depository institutions | $2,560 |
| Interest-bearing balances | $381 |
| Securities | $109,983 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $31,794 |
| Loan loss allowance | $639 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,661 |
| Other real estate owned | $26 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,232 |
| Life insurance assets | $149,256 |
| Total liabilities and capital | $134,402 |
| Total liabilities | $127,923 |
| Total deposits | $94,282 |
| Interest-bearing deposits | $127,923 |
| Deposits held in domestic offices | $86 |
| % insured (estimated) | 6280.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $199 |
| All other liabilities | $14,854 |
| Total equity capital | $14,854 |
| Total bank equity capital | $14,854 |
| Perpetual preferred stock | $0 |
| Common stock | $500 |
| Surplus | $6,500 |
| Undivided profits | $7,854 |
| 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 | $58 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,089 |
| Average Assets, year-to-date | $142,158 |
| Average Assets, quarterly | $102,865 |
| Volatile liabilities | $132,178 |
| Insider loans | $144,493 |
| FHLB advances | $52,666 |
| Loans and leases held for sale | $142,631 |
| Unused loan commitments | $768 |
| Tier 1 (core) risk-based capital | $768 |
| Tier 2 risk-based capital | $11,009 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $3,840 |
| Derivatives | $1,205 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $4,992 |
| Total interest expense | $800 |
| Net interest income | $4,192 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $948 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $538 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $410 |
| Total noninterest expense | $3,914 |
| Salaries and employee benefits | $2,393 |
| Premises and equipment expense | $537 |
| Additional noninterest expense | $984 |
| Pre-tax net operating income | $1,226 |
| Securities gains (losses) | $261 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $1,487 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,487 |
| Net charge-offs | $0 |
| Cash dividends | $1,487 |
| Sale, conversion, retirement of capital stock, net | $25 |
| Net operating income | $440 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 3.99% |
| Cost of funding earning assets | 0.64% |
| Net interest margin | 3.35% |
| Noninterest income to earning assets | 0.76% |
| Noninterest expense to earning assets | 3.13% |
| Net operating income to assets | 0.93% |
| Return on assets (ROA) | 1.12% |
| Pretax return on assets | 1.12% |
| Return on equity (ROE) | 11.17% |
| Retained earnings to average equity (YTD only) | 7.87% |
| Net charge-offs to loans | 0.07% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 49.04% |
| Assets per employee | $76,148 |
| Cash dividends to net income (YTD only) | 4.26% |
| Condition Ratios (%) | |
| Loss allowance to loans | 29.59% |
| Loss allowance to noncurrent loans | 1.97% |
| Noncurrent assets plus other real estate owned to assets | 1101.72% |
| Noncurrent loans to loans | 0.06% |
| Net loans and leases to deposits | 0.18% |
| Net loans and leases to core deposits | 24.85% |
| Equity capital to assets | 26.97% |
| Core capital (leverage) ratio | 9.95% |
| Tier 1 risk-based capital ratio | 7.72% |
| Total risk-based capital ratio | 20.90% |
| Memoranda | |
| Average assets | $22 |
| Average earning assets | $132,178 |
| Average equity | $13,310 |
| Average loans | $124,992 |
| 3 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 831 | The Roscoe State Bank | 117 Cypress St, Roscoe, TX 79545 | December 06, 1906 | Full Service Brick and Mortar |  |
| 1 | 188002 | The Roscoe State Bank | P O Box 317, Sweetwater, TX 79556 | September 09, 1996 | Full Service Brick and Mortar |  |
| 3 | 453559 | The Roscoe State Bank Hunter's Cross | 710 Hwy 71, Bastrop, TX 78602 | March 20, 2006 | 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.