VINTAGE BANK in Waxahachie, Texas (TX)



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VINTAGE BANK routing number info

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VINTAGE BANK
GeneralFDIC 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
WWW: http://www.vintagebank.net
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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)32
Total assets$147,397
Cash and due from depository institutions$11,296
Interest-bearing balances$7,261
Securities$19,680
Federal funds sold & reverse repurchase agreements$2,600
Net loans & leases$104,548
Loan loss allowance $1,948
Trading account assets$0
Bank premises and fixed assets$4,594
Other real estate owned$642
Goodwill and other intangibles$0
All other assets$4,037
Life insurance assets$147,397
Total liabilities and capital$134,104
Total liabilities$133,852
Total deposits$106,755
Interest-bearing deposits$133,852
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $252
All other liabilities $13,293
Total equity capital$13,293
Total bank equity capital$13,293
Perpetual preferred stock$0
Common stock$96
Surplus$11,026
Undivided profits $2,171
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 $2,118
Earning assets $0
Long-term assets (5+ years) $577
Average Assets, year-to-date $134,089
Average Assets, quarterly $43,662
Volatile liabilities $146,317
Insider loans $149,114
FHLB advances $103,076
Loans and leases held for sale $150,823
Unused loan commitments $2,787
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,257
Total risk weighted assets $2,787
Total unused commitments $0
Restructured Loans and leases $6,603
Derivatives$653
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,605
Total interest expense $1,344
Net interest income $6,261
Provision for loan and lease losses $1,100
Total noninterest income $1,412
Fiduciary activities $0
Service charges on deposit accounts $767
Trading account gains & fees $0
Additional noninterest income $645
Total noninterest expense $4,848
Salaries and employee benefits $2,550
Premises and equipment expense $550
Additional noninterest expense $1,748
Pre-tax net operating income $1,725
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,725
Extraordinary gains - net $0
Net income attributable to bank $1,725
Net charge-offs $0
Cash dividends $1,725
Sale, conversion, retirement of capital stock, net $577
Net operating income $859
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.72%
Cost of funding earning assets 1.01%
Net interest margin 4.71%
Noninterest income to earning assets 1.06%
Noninterest expense to earning assets 3.65%
Net operating income to assets 1.18%
Return on assets (ROA) 1.18%
Pretax return on assets 1.18%
Return on equity (ROE) 13.62%
Retained earnings to average equity (YTD only) 6.84%
Net charge-offs to loans 0.53%
Credit loss provision to net charge-offs 190.64%
Efficiency ratio4.90%
Assets per employee$63,183
Cash dividends to net income (YTD only)4.61%
Condition Ratios (%)
Loss allowance to loans 49.80%
Loss allowance to noncurrent loans 1.83%
Noncurrent assets plus other real estate owned to assets 91.97%
Noncurrent loans to loans 1.87%
Net loans and leases to deposits1.99%
Net loans and leases to core deposits 78.11%
Equity capital to assets 79.44%
Core capital (leverage) ratio 9.02%
Tier 1 risk-based capital ratio 8.79%
Total risk-based capital ratio 12.86%
Memoranda
Average assets$14
Average earning assets$146,317
Average equity $12,668
Average loans $132,847
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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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