TransPecos Banks in Pecos, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

TransPecos Banks - Overview

  • General
  • FDIC Certificate #: 11178
    Status: Active
    Federal Reserve ID: 908861
    Bank Holding Company (Regulatory Top Holder): Transpecos Financial Corp. (RSSDID: 2649588, Location: San Antonio, TX)
    Date Established: March 01, 1924
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 7136
    Numeric code: 13
    Regulator: FED
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 19, 2012
    Last Structure Change Process Date: March 19, 2012
    Last Data Update: March 19, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 115 West 3rd Street, Pecos, TX 79772
    County: Reeves
    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): Pecos, TX (#37780)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $153.5 mil
    Equity capital: $12.5 mil
    Deposits held in domestic offices: $139.5 mil
    Return on assets (ROA): -1.31% (-$2.0 mil)
    Quarterly return on assets: -2.47% (-$3.8 mil)
    Return on Equity (ROE): -16.12% (-$1.9 mil)
    Quarterly return on equity: -30.33% (-$3.6 mil)
    Net income: -$2.1 mil
    Quarterly Net income: -$1.0 mil
    Pretax return on assets: -1.31% (-$2,010.7 mil)
    Quarterly Pretax return on assets: -2.47% (-$3,791.2 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, 2011)

  • Dollar figures in thousands
  • 53Total employees (full-time equivalent)
  • $153,489Total assets
  • $22,460Cash and due from depository institutions
  • $16,249Interest-bearing balances
  • $33,687Securities
  • $7,652Federal funds sold & reverse repurchase agreements
  • $80,580Net loans & leases
  • $1,702Loan loss allowance
  • $0Trading account assets
  • $4,245Bank premises and fixed assets
  • $548Other real estate owned
  • $1,994Goodwill and other intangibles
  • $153,489Life insurance assets
  • $2,323All other assets
  • $141,016Total liabilities and capital
  • $139,497Total liabilities
  • $101,307Total deposits
  • $139,497Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,519Subordinated debt
  • $12,473All other liabilities
  • $12,473Total equity capital
  • $12,473Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $13,609Surplus
  • $-2,636Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $794Income earned, not collected on loans
  • $13Earning assets
  • $828Long-term assets (5+ years)
  • $138,168Average Assets, year-to-date
  • $40,305Average Assets, quarterly
  • $158,218Volatile liabilities
  • $158,152Insider loans
  • $94,173FHLB advances
  • $154,399Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,569Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,587Restructured Loans and leases
  • $4,614Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,995Total interest income
  • $1,401Total interest expense
  • $5,594Net interest income
  • $327Provision for loan and lease losses
  • $1,848Total noninterest income
  • $0Fiduciary activities
  • $1,370Service charges on deposit accounts
  • $0Trading account gains & fees
  • $478Additional noninterest income
  • $9,227Total noninterest expense
  • $3,869Salaries and employee benefits
  • $1,113Premises and equipment expense
  • $4,245Additional noninterest expense
  • -$2,112Pre-tax net operating income
  • $42Securities gains (losses)
  • $0Applicable income taxes
  • -$2,070Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,070Net income attributable to bank
  • $0Net charge-offs
  • -$2,070Cash dividends
  • $928Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 3.94%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 6.51%Noninterest expense to earning assets
  • -1.33%Net operating income to assets
  • -1.31%Return on assets (ROA)
  • -1.31%Pretax return on assets
  • -16.12%Return on equity (ROE)
  • -16.12%Retained earnings to average equity (YTD only)
  • 0.99%Net charge-offs to loans
  • 35.24%Credit loss provision to net charge-offs
  • -1.92%Efficiency ratio
  • 123,985Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.07%Loss allowance to noncurrent loans
  • 214.36%Noncurrent assets plus other real estate owned to assets
  • 0.87%Noncurrent loans to loans
  • 0.96%Net loans and leases to deposits
  • 57.76%Net loans and leases to core deposits
  • 66.86%Equity capital to assets
  • 8.13%Core capital (leverage) ratio
  • 6.20%Tier 1 risk-based capital ratio
  • 10.16%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $158,218Average earning assets
  • $12,839Average equity
  • $141,840Average 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
  • $944Managed Assets
  • 1Number of Accounts
  • $944Personal trust and agency accounts
  • $201Employee benefit-defined contribution accounts
  • $743Employee 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
  • 2Number 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

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07136Transpecos Banks115 West 3rd Street, Pecos, TX 79772March 01, 1924Full Service Brick and Mortar
    1360775Transpecos Banks - Marathon109 Highway 90, Marathon, TX 79842April 09, 2001Full Service Brick and Mortar
    215261Transpecos Banks - Sierra BlancaHighway 80 And Fm 1111, Sierra Blanca, TX 79851May 08, 1975Full Service Brick and Mortar
    3429577Transpecos Banks - Alpine Branch108 West Avenue E, Alpine, TX 79830November 19, 2003Full Service Brick and Mortar

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