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

This bank is inactive as of May 20, 2011

  • Treaty Oak Bank in Austin, Texas (TX)
  • Show street view No street view available for this location

Treaty Oak Bank - Overview

  • General
  • FDIC Certificate #: 22512
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Treaty Oak Bank (#11561)
    Federal Reserve ID: 601564
    Date Established: August 22, 1977
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 15422
    FDIC's unique #: 15700
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 22, 1977
    Last Structure Change Effective Date: May 20, 2011
    Last Structure Change Process Date: June 01, 2011
    Last Data Update: June 01, 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)
  • Financial Summary
  • Total assets: $106.9 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, 2010)

  • Dollar figures in thousands
  • 41Total employees (full-time equivalent)
  • $109,617Total assets
  • $28,603Cash and due from depository institutions
  • $26,465Interest-bearing balances
  • $6,208Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $63,310Net loans & leases
  • $6,392Loan loss allowance
  • $0Trading account assets
  • $5,068Bank premises and fixed assets
  • $3,746Other real estate owned
  • $1,206Goodwill and other intangibles
  • $0Life insurance assets
  • $1,476All other assets
  • $109,618Total liabilities and capital
  • $104,565Total liabilities
  • $96,543Total deposits
  • $72,038Interest-bearing deposits
  • $96,543Deposits held in domestic offices
  • 90.89%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,372Other borrowed funds
  • $0Subordinated debt
  • $650All other liabilities
  • $5,053Total equity capital
  • $5,053Total bank equity capital
  • $5,053Perpetual preferred stock
  • $0Common stock
  • $304Surplus
  • $18,061Undivided profits
  • Memoranda
  • $-13,312Noncurrent loans and leases
  • $8,358Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $8,156Earning assets
  • $0Long-term assets (5+ years)
  • $425Average Assets, year-to-date
  • $95,983Average Assets, quarterly
  • $7,930Volatile liabilities
  • $125,474Insider loans
  • $110,070FHLB advances
  • $18,548Loans and leases held for sale
  • $2,954Unused loan commitments
  • $5,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,358Total unused commitments
  • $0Restructured Loans and leases
  • $900Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $4,914Total interest income
  • $1,127Total interest expense
  • $3,787Net interest income
  • $4,521Provision for loan and lease losses
  • $982Total noninterest income
  • $0Fiduciary activities
  • $660Service charges on deposit accounts
  • $0Trading account gains & fees
  • $322Additional noninterest income
  • $6,204Total noninterest expense
  • $2,662Salaries and employee benefits
  • $945Premises and equipment expense
  • $2,597Additional noninterest expense
  • -$5,956Pre-tax net operating income
  • $155Securities gains (losses)
  • $0Applicable income taxes
  • -$5,801Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5,801Net income attributable to bank
  • $0Net charge-offs
  • -$5,801Cash dividends
  • $3,520Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.43%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 3.41%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 5.59%Noninterest expense to earning assets
  • -4.75%Net operating income to assets
  • -4.62%Return on assets (ROA)
  • -4.62%Pretax return on assets
  • -74.52%Return on equity (ROE)
  • -74.52%Retained earnings to average equity (YTD only)
  • 3.92%Net charge-offs to loans
  • 128.44%Credit loss provision to net charge-offs
  • -0.41%Efficiency ratio
  • 129,671Assets per employee
  • 2.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 9.17%Loss allowance to noncurrent loans
  • 78.37%Noncurrent assets plus other real estate owned to assets
  • 10.86%Noncurrent loans to loans
  • 11.70%Net loans and leases to deposits
  • 65.58%Net loans and leases to core deposits
  • 81.17%Equity capital to assets
  • 4.61%Core capital (leverage) ratio
  • 3.41%Tier 1 risk-based capital ratio
  • 5.29%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $125,474Average earning assets
  • $7,784Average equity
  • $110,985Average loans

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