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


The Roscoe State Bank - Overview

  • 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)

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
  • 35Total employees (full-time equivalent)
  • $149,256Total assets
  • $2,560Cash and due from depository institutions
  • $381Interest-bearing balances
  • $109,983Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $31,794Net loans & leases
  • $639Loan loss allowance
  • $0Trading account assets
  • $2,661Bank premises and fixed assets
  • $26Other real estate owned
  • $0Goodwill and other intangibles
  • $149,256Life insurance assets
  • $2,232All other assets
  • $134,402Total liabilities and capital
  • $127,923Total liabilities
  • $94,282Total deposits
  • $127,923Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 6280.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $199Subordinated debt
  • $14,854All other liabilities
  • $14,854Total equity capital
  • $14,854Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $6,500Surplus
  • $7,854Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $58Income earned, not collected on loans
  • $0Earning assets
  • $1,089Long-term assets (5+ years)
  • $142,158Average Assets, year-to-date
  • $102,865Average Assets, quarterly
  • $132,178Volatile liabilities
  • $144,493Insider loans
  • $52,666FHLB advances
  • $142,631Loans and leases held for sale
  • $768Unused loan commitments
  • $768Tier 1 (core) risk-based capital
  • $11,009Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,840Restructured Loans and leases
  • $1,205Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,992Total interest income
  • $800Total interest expense
  • $4,192Net interest income
  • $0Provision for loan and lease losses
  • $948Total noninterest income
  • $0Fiduciary activities
  • $538Service charges on deposit accounts
  • $0Trading account gains & fees
  • $410Additional noninterest income
  • $3,914Total noninterest expense
  • $2,393Salaries and employee benefits
  • $537Premises and equipment expense
  • $984Additional noninterest expense
  • $1,226Pre-tax net operating income
  • $261Securities gains (losses)
  • $0Applicable income taxes
  • $1,487Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,487Net income attributable to bank
  • $0Net charge-offs
  • $1,487Cash dividends
  • $25Sale, conversion, retirement of capital stock, net
  • $440Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.99%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 11.17%Return on equity (ROE)
  • 7.87%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 49.04%Efficiency ratio
  • 76,148Assets per employee
  • 4.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.59%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 1101.72%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 24.85%Net loans and leases to core deposits
  • 26.97%Equity capital to assets
  • 9.95%Core capital (leverage) ratio
  • 7.72%Tier 1 risk-based capital ratio
  • 20.90%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $132,178Average earning assets
  • $13,310Average equity
  • $124,992Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0831The Roscoe State Bank117 Cypress St, Roscoe, TX 79545December 06, 1906Full Service Brick and Mortar
    1188002The Roscoe State BankP O Box 317, Sweetwater, TX 79556September 09, 1996Full Service Brick and Mortar
    3453559The Roscoe State Bank Hunter's Cross710 Hwy 71, Bastrop, TX 78602March 20, 2006Full Service Brick and Mortar

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