VINTAGE BANK in Waxahachie, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • General
  • FDIC Certificate #: 3089
    Status: Active
    Federal Reserve ID: 202251
    Bank Holding Company (Regulatory Top Holder): Vintage Shares, Inc. (RSSDID: 3254336, Location: Waxahachie, TX)
    Date Established: June 13, 1900
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 1969
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 Hwy 77n, Waxahachie, TX 75165
    County: Ellis
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $147.4 mil
    Equity capital: $13.3 mil
    Deposits held in domestic offices: $133.9 mil
    Return on assets (ROA): 1.18% ($1.7 mil)
    Quarterly return on assets: 1.75% ($2.6 mil)
    Return on Equity (ROE): 13.62% ($1.8 mil)
    Quarterly return on equity: 20.06% ($2.6 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.18% ($1,739.3 mil)
    Quarterly Pretax return on assets: 1.75% ($2,579.4 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
  • 32Total employees (full-time equivalent)
  • $147,397Total assets
  • $11,296Cash and due from depository institutions
  • $7,261Interest-bearing balances
  • $19,680Securities
  • $2,600Federal funds sold & reverse repurchase agreements
  • $104,548Net loans & leases
  • $1,948Loan loss allowance
  • $0Trading account assets
  • $4,594Bank premises and fixed assets
  • $642Other real estate owned
  • $0Goodwill and other intangibles
  • $147,397Life insurance assets
  • $4,037All other assets
  • $134,104Total liabilities and capital
  • $133,852Total liabilities
  • $106,755Total deposits
  • $133,852Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $252Subordinated debt
  • $13,293All other liabilities
  • $13,293Total equity capital
  • $13,293Total bank equity capital
  • $0Perpetual preferred stock
  • $96Common stock
  • $11,026Surplus
  • $2,171Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,118Income earned, not collected on loans
  • $0Earning assets
  • $577Long-term assets (5+ years)
  • $134,089Average Assets, year-to-date
  • $43,662Average Assets, quarterly
  • $146,317Volatile liabilities
  • $149,114Insider loans
  • $103,076FHLB advances
  • $150,823Loans and leases held for sale
  • $2,787Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,257Tier 2 risk-based capital
  • $2,787Total risk weighted assets
  • $0Total unused commitments
  • $6,603Restructured Loans and leases
  • $653Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,605Total interest income
  • $1,344Total interest expense
  • $6,261Net interest income
  • $1,100Provision for loan and lease losses
  • $1,412Total noninterest income
  • $0Fiduciary activities
  • $767Service charges on deposit accounts
  • $0Trading account gains & fees
  • $645Additional noninterest income
  • $4,848Total noninterest expense
  • $2,550Salaries and employee benefits
  • $550Premises and equipment expense
  • $1,748Additional noninterest expense
  • $1,725Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,725Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,725Net income attributable to bank
  • $0Net charge-offs
  • $1,725Cash dividends
  • $577Sale, conversion, retirement of capital stock, net
  • $859Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.72%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.71%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 3.65%Noninterest expense to earning assets
  • 1.18%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 13.62%Return on equity (ROE)
  • 6.84%Retained earnings to average equity (YTD only)
  • 0.53%Net charge-offs to loans
  • 190.64%Credit loss provision to net charge-offs
  • 4.90%Efficiency ratio
  • 63,183Assets per employee
  • 4.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.80%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 91.97%Noncurrent assets plus other real estate owned to assets
  • 1.87%Noncurrent loans to loans
  • 1.99%Net loans and leases to deposits
  • 78.11%Net loans and leases to core deposits
  • 79.44%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 8.79%Tier 1 risk-based capital ratio
  • 12.86%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $146,317Average earning assets
  • $12,668Average equity
  • $132,847Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01969Vintage Bank300 Hwy 77n, Waxahachie, TX 75165June 13, 1900Full Service Brick and Mortar
    2443404Ovilla Rd Branch119 W Ovilla Rd, Glenn Heights, TX 75154September 01, 2004Full Service Brick and Mortar
    3478859Midlothian Branch1431 S Midlothian Parkway, Midlothian, TX 76065June 30, 2008Full Service Brick and Mortar

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