Treaty Oak Bank in Austin, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Treaty Oak Bank - Overview

  • General
  • FDIC Certificate #: 11561
    Status: Active
    Federal Reserve ID: 646453
    Bank Holding Company (Regulatory Top Holder): Carlile Bancshares, Inc. (RSSDID: 3975770, Location: Fort Worth, TX)
    Date Established: January 01, 1919
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 7388
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 24, 2011
    Last Structure Change Process Date: October 27, 2011
    Last Data Update: October 27, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 Westlake Dr., Suite 110, Austin, TX 78746
    County: Travis
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $113.3 mil
    Equity capital: $17.2 mil
    Deposits held in domestic offices: $93.5 mil
    Return on assets (ROA): 1.56% ($1.8 mil)
    Quarterly return on assets: 1.48% ($1.7 mil)
    Return on Equity (ROE): 11.32% ($1.9 mil)
    Quarterly return on equity: 10.17% ($1.7 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.37% ($1,551.7 mil)
    Quarterly Pretax return on assets: 1.39% ($1,574.4 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
  • 34Total employees (full-time equivalent)
  • $113,265Total assets
  • $40,405Cash and due from depository institutions
  • $34,180Interest-bearing balances
  • $18,071Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $41,117Net loans & leases
  • $790Loan loss allowance
  • $0Trading account assets
  • $6,319Bank premises and fixed assets
  • $0Other real estate owned
  • $1,378Goodwill and other intangibles
  • $113,265Life insurance assets
  • $5,975All other assets
  • $96,026Total liabilities and capital
  • $93,508Total liabilities
  • $61,859Total deposits
  • $93,508Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,518Subordinated debt
  • $17,239All other liabilities
  • $17,239Total equity capital
  • $17,239Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $14,765Surplus
  • $1,474Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $372Income earned, not collected on loans
  • $0Earning assets
  • $243Long-term assets (5+ years)
  • $93,368Average Assets, year-to-date
  • $19,379Average Assets, quarterly
  • $82,248Volatile liabilities
  • $117,301Insider loans
  • $51,916FHLB advances
  • $113,366Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,542Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,841Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,244Total interest income
  • $444Total interest expense
  • $4,800Net interest income
  • $977Provision for loan and lease losses
  • $910Total noninterest income
  • $0Fiduciary activities
  • $487Service charges on deposit accounts
  • $0Trading account gains & fees
  • $423Additional noninterest income
  • $5,516Total noninterest expense
  • $2,584Salaries and employee benefits
  • $1,034Premises and equipment expense
  • $1,898Additional noninterest expense
  • -$783Pre-tax net operating income
  • $0Securities gains (losses)
  • -$158Applicable income taxes
  • -$625Income before extraordinary items
  • $1,911Extraordinary gains - net
  • $1,286Net income attributable to bank
  • $0Net charge-offs
  • $1,286Cash dividends
  • $229Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.63%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 6.99%Net interest margin
  • 1.32%Noninterest income to earning assets
  • 8.03%Noninterest expense to earning assets
  • -0.76%Net operating income to assets
  • 1.56%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 11.32%Return on equity (ROE)
  • 11.32%Retained earnings to average equity (YTD only)
  • 0.77%Net charge-offs to loans
  • 426.64%Credit loss provision to net charge-offs
  • 0.85%Efficiency ratio
  • 91,699Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 212.37%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.89%Net loans and leases to deposits
  • 43.97%Net loans and leases to core deposits
  • 45.02%Equity capital to assets
  • 15.22%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 22.23%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $82,248Average earning assets
  • $11,362Average equity
  • $68,685Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07388Treaty Oak Bank101 Westlake Dr., Suite 110, Austin, TX 78746January 01, 1919Full Service Brick and Mortar
    2357835West 35th Street Branch1515 West 35th Street - Bldg F, Austin, TX 78703March 08, 1999Full Service Brick and Mortar
    4473623Barton Creek Branch2800 Barton Creek Boulevard, Austin, TX 78735January 07, 2008Full Service Brick and Mortar
    6480628Marble Falls Branch507 Rr 2147, Marble Falls, TX 78654July 17, 2007Full Service Brick and Mortar
    7520027Ranch Road Branch12128 Ranch Road 620 North, Austin, TX 78750May 20, 2011Full Service Brick and Mortar

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