TrustTexas Bank, SSB in Cuero, Texas (TX)



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TrustTexas Bank, SSB
GeneralFDIC 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
WWW: http://www.trusttexasbank.com
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
LocationAddress: 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 ChangesName Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)60
Total assets$212,280
Cash and due from depository institutions$24,688
Interest-bearing balances$21,215
Securities$75,952
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$97,205
Loan loss allowance $829
Trading account assets$0
Bank premises and fixed assets$5,067
Other real estate owned$507
Goodwill and other intangibles$0
All other assets$8,861
Life insurance assets$212,280
Total liabilities and capital$185,639
Total liabilities$183,945
Total deposits$169,436
Interest-bearing deposits$183,945
Deposits held in domestic offices$79
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$983
Other borrowed funds $0
Subordinated debt $711
All other liabilities $26,641
Total equity capital$26,641
Total bank equity capital$26,641
Perpetual preferred stock$0
Common stock$0
Surplus$24,058
Undivided profits $2,583
Memoranda
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 $1,112
Earning assets $0
Long-term assets (5+ years) $1,141
Average Assets, year-to-date $194,372
Average Assets, quarterly $138,422
Volatile liabilities $195,637
Insider loans $205,460
FHLB advances $110,403
Loans and leases held for sale $204,534
Unused loan commitments $6,590
Tier 1 (core) risk-based capital $6,590
Tier 2 risk-based capital $26,641
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,791
Derivatives$3,185
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,302
Total interest expense $1,724
Net interest income $6,578
Provision for loan and lease losses $212
Total noninterest income $731
Fiduciary activities $0
Service charges on deposit accounts $315
Trading account gains & fees $0
Additional noninterest income $416
Total noninterest expense $6,098
Salaries and employee benefits $3,478
Premises and equipment expense $861
Additional noninterest expense $1,759
Pre-tax net operating income $999
Securities gains (losses) $0
Applicable income taxes -$21
Income before extraordinary items $1,020
Extraordinary gains - net $0
Net income attributable to bank $1,020
Net charge-offs $0
Cash dividends $1,020
Sale, conversion, retirement of capital stock, net $269
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 assets4.63%
Cost of funding earning assets 0.96%
Net interest margin 3.67%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 3.40%
Net operating income to assets 0.52%
Return on assets (ROA) 0.52%
Pretax return on assets 0.51%
Return on equity (ROE) 3.92%
Retained earnings to average equity (YTD only) 3.92%
Net charge-offs to loans 0.30%
Credit loss provision to net charge-offs 78.81%
Efficiency ratio4.50%
Assets per employee$83,431
Cash dividends to net income (YTD only)3.54%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.85%
Noncurrent assets plus other real estate owned to assets 74.55%
Noncurrent loans to loans 0.76%
Net loans and leases to deposits1.13%
Net loans and leases to core deposits 52.84%
Equity capital to assets 54.06%
Core capital (leverage) ratio 12.55%
Tier 1 risk-based capital ratio 13.03%
Total risk-based capital ratio 24.13%
Memoranda
Average assets$25
Average earning assets$195,637
Average equity $26,042
Average loans $179,136
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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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