Treaty Oak Bank in Austin, Texas (TX)

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Treaty Oak Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Financial SummaryTotal 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)
Total employees (full-time equivalent)34
Total assets$113,265
Cash and due from depository institutions$40,405
Interest-bearing balances$34,180
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$41,117
Loan loss allowance $790
Trading account assets$0
Bank premises and fixed assets$6,319
Other real estate owned$0
Goodwill and other intangibles$1,378
All other assets$5,975
Life insurance assets$113,265
Total liabilities and capital$96,026
Total liabilities$93,508
Total deposits$61,859
Interest-bearing deposits$93,508
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,518
All other liabilities $17,239
Total equity capital$17,239
Total bank equity capital$17,239
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $1,474
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 $372
Earning assets $0
Long-term assets (5+ years) $243
Average Assets, year-to-date $93,368
Average Assets, quarterly $19,379
Volatile liabilities $82,248
Insider loans $117,301
FHLB advances $51,916
Loans and leases held for sale $113,366
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,542
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,841
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,244
Total interest expense $444
Net interest income $4,800
Provision for loan and lease losses $977
Total noninterest income $910
Fiduciary activities $0
Service charges on deposit accounts $487
Trading account gains & fees $0
Additional noninterest income $423
Total noninterest expense $5,516
Salaries and employee benefits $2,584
Premises and equipment expense $1,034
Additional noninterest expense $1,898
Pre-tax net operating income -$783
Securities gains (losses) $0
Applicable income taxes -$158
Income before extraordinary items -$625
Extraordinary gains - net $1,911
Net income attributable to bank $1,286
Net charge-offs $0
Cash dividends $1,286
Sale, conversion, retirement of capital stock, net $229
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets7.63%
Cost of funding earning assets 0.65%
Net interest margin 6.99%
Noninterest income to earning assets 1.32%
Noninterest expense to earning assets 8.03%
Net operating income to assets -0.76%
Return on assets (ROA) 1.56%
Pretax return on assets 1.37%
Return on equity (ROE) 11.32%
Retained earnings to average equity (YTD only) 11.32%
Net charge-offs to loans 0.77%
Credit loss provision to net charge-offs 426.64%
Efficiency ratio0.85%
Assets per employee$91,699
Cash dividends to net income (YTD only)3.33%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.89%
Noncurrent assets plus other real estate owned to assets 212.37%
Noncurrent loans to loans 0.33%
Net loans and leases to deposits0.89%
Net loans and leases to core deposits 43.97%
Equity capital to assets 45.02%
Core capital (leverage) ratio 15.22%
Tier 1 risk-based capital ratio 10.18%
Total risk-based capital ratio 22.23%
Average assets$24
Average earning assets$82,248
Average equity $11,362
Average loans $68,685
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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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