TrustTexas Bank, SSB in Cuero, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

TrustTexas Bank, SSB - Overview

  • General
  • FDIC Certificate #: 28515
    Status: Active
    Federal Reserve ID: 539872
    Bank Holding Company (Regulatory Top Holder): Trusttexas Mutual Holding Company (RSSDID: 3601332, Location: Cuero, TX)
    Date Established: January 01, 1921
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 1754
    FDIC's unique #: 41349
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: October 11, 1935
    Last Structure Change Effective Date: August 14, 2006
    Last Structure Change Process Date: August 14, 2006
    Last Data Update: August 14, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 121 East Courthouse, Cuero, TX 77954
    County: De Witt
    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
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $212.3 mil
    Equity capital: $26.6 mil
    Deposits held in domestic offices: $183.9 mil
    Return on assets (ROA): 0.52% ($1.1 mil)
    Quarterly return on assets: 0.81% ($1.7 mil)
    Return on Equity (ROE): 3.92% ($1.1 mil)
    Quarterly return on equity: 6.30% ($1.7 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.51% ($1,082.6 mil)
    Quarterly Pretax return on assets: 0.80% ($1,698.2 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
  • 60Total employees (full-time equivalent)
  • $212,280Total assets
  • $24,688Cash and due from depository institutions
  • $21,215Interest-bearing balances
  • $75,952Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $97,205Net loans & leases
  • $829Loan loss allowance
  • $0Trading account assets
  • $5,067Bank premises and fixed assets
  • $507Other real estate owned
  • $0Goodwill and other intangibles
  • $212,280Life insurance assets
  • $8,861All other assets
  • $185,639Total liabilities and capital
  • $183,945Total liabilities
  • $169,436Total deposits
  • $183,945Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $983Trading liabilities
  • $0Other borrowed funds
  • $711Subordinated debt
  • $26,641All other liabilities
  • $26,641Total equity capital
  • $26,641Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $24,058Surplus
  • $2,583Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,112Income earned, not collected on loans
  • $0Earning assets
  • $1,141Long-term assets (5+ years)
  • $194,372Average Assets, year-to-date
  • $138,422Average Assets, quarterly
  • $195,637Volatile liabilities
  • $205,460Insider loans
  • $110,403FHLB advances
  • $204,534Loans and leases held for sale
  • $6,590Unused loan commitments
  • $6,590Tier 1 (core) risk-based capital
  • $26,641Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,791Restructured Loans and leases
  • $3,185Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,302Total interest income
  • $1,724Total interest expense
  • $6,578Net interest income
  • $212Provision for loan and lease losses
  • $731Total noninterest income
  • $0Fiduciary activities
  • $315Service charges on deposit accounts
  • $0Trading account gains & fees
  • $416Additional noninterest income
  • $6,098Total noninterest expense
  • $3,478Salaries and employee benefits
  • $861Premises and equipment expense
  • $1,759Additional noninterest expense
  • $999Pre-tax net operating income
  • $0Securities gains (losses)
  • -$21Applicable income taxes
  • $1,020Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,020Net income attributable to bank
  • $0Net charge-offs
  • $1,020Cash dividends
  • $269Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.67%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 0.52%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 3.92%Return on equity (ROE)
  • 3.92%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 78.81%Credit loss provision to net charge-offs
  • 4.50%Efficiency ratio
  • 83,431Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.85%Loss allowance to noncurrent loans
  • 74.55%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 1.13%Net loans and leases to deposits
  • 52.84%Net loans and leases to core deposits
  • 54.06%Equity capital to assets
  • 12.55%Core capital (leverage) ratio
  • 13.03%Tier 1 risk-based capital ratio
  • 24.13%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $195,637Average earning assets
  • $26,042Average equity
  • $179,136Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041349Trusttexas Bank, Ssb121 East Courthouse, Cuero, TX 77954January 01, 1921Full Service Brick and Mortar
    1268040Yorktown Branch225 E Main St, Yorktown, TX 78164January 01, 1921Full Service Brick and Mortar
    2268041Victoria-Laurent Branch2109 North Laurent, Victoria, TX 77901January 01, 1921Full Service Brick and Mortar
    3268042Victoria-Sam Houston Branch2701 Sam Houston, Victoria, TX 77904March 28, 1995Full Service Brick and Mortar
    6501274Kyle BranchThe Intersection Of Kyle Parkway And Dorman Lane, Kyle, TX 78640December 21, 2009Full Service Brick and Mortar

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