Vista Bank in city_name, state_name - Detailed Financial Reports, Location

Vista Bank in Ralls, Texas (TX)
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Vista Bank routing number info

Vista Bank - Overview

General
FDIC Certificate #: 1210
Status: Active
Federal Reserve ID: 645465
Bank Holding Company (Regulatory Top Holder): Mclaughlin Bancshares, Inc. (RSSDID: 1135897, Location: Ralls, TX)
Date Established: January 25, 1912
WWW: http://www.vistabank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 10 (Domestic: 10, Interstate: No)
FDIC's unique #: 829
Numeric code: 13
Regulator: FED
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: August 18, 2008
Last Structure Change Process Date: August 25, 2008
Last Data Update: August 25, 2008
Data Source Date: April 05, 2012
Location
Address: 901 Main Street, Ralls, TX 79357
County: Crosby
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Lubbock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Combined Statistical Area (CSA): Lubbock-Levelland, TX (#352)
Core Based Statistical Area (CBSA): Lubbock, TX (#31180)
CBSA Metro Statistical Area: Lubbock, TX (#31180)
History of Changes
Name Change
Financial Summary
Total assets: $226.7 mil
Equity capital: $25.6 mil
Deposits held in domestic offices: $199.3 mil
Return on assets (ROA): 0.75% ($1.7 mil)
Quarterly return on assets: 0.23% ($0.5 mil)
Return on Equity (ROE): 7.61% ($2.0 mil)
Quarterly return on equity: 1.96% ($0.5 mil)
Net income: $1.6 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.98% ($2,221.2 mil)
Quarterly Pretax return on assets: 0.09% ($204.0 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
71Total employees (full-time equivalent)
$226,658Total assets
$11,895Cash and due from depository institutions
$2,266Interest-bearing balances
$66,718Securities
$15,677Federal funds sold & reverse repurchase agreements
$114,787Net loans & leases
$1,483Loan loss allowance
$0Trading account assets
$10,480Bank premises and fixed assets
$9Other real estate owned
$2,576Goodwill and other intangibles
$226,658Life insurance assets
$4,516All other assets
$201,094Total liabilities and capital
$199,349Total liabilities
$142,240Total deposits
$199,349Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,745Subordinated debt
$25,564All other liabilities
$25,564Total equity capital
$25,564Total bank equity capital
$0Perpetual preferred stock
$1,800Common stock
$17,400Surplus
$6,364Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,369Income earned, not collected on loans
$0Earning assets
$1,996Long-term assets (5+ years)
$199,448Average Assets, year-to-date
$77,330Average Assets, quarterly
$212,860Volatile liabilities
$217,903Insider loans
$135,977FHLB advances
$212,987Loans and leases held for sale
$499Unused loan commitments
$499Tier 1 (core) risk-based capital
$21,860Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$24,594Restructured Loans and leases
$119Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,322Total interest income
$1,291Total interest expense
$8,031Net interest income
$542Provision for loan and lease losses
$3,038Total noninterest income
$49Fiduciary activities
$1,280Service charges on deposit accounts
$0Trading account gains & fees
$1,709Additional noninterest income
$8,693Total noninterest expense
$4,244Salaries and employee benefits
$1,265Premises and equipment expense
$3,184Additional noninterest expense
$1,834Pre-tax net operating income
$262Securities gains (losses)
$500Applicable income taxes
$1,596Income before extraordinary items
$0Extraordinary gains - net
$1,596Net income attributable to bank
$0Net charge-offs
$1,596Cash dividends
$319Sale, conversion, retirement of capital stock, net
$1,097Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.98%Yield on earning assets
0.69%Cost of funding earning assets
4.29%Net interest margin
1.62%Noninterest income to earning assets
4.65%Noninterest expense to earning assets
0.66%Net operating income to assets
0.75%Return on assets (ROA)
0.98%Pretax return on assets
7.61%Return on equity (ROE)
2.38%Retained earnings to average equity (YTD only)
0.27%Net charge-offs to loans
169.91%Credit loss provision to net charge-offs
7.45%Efficiency ratio
78,535Assets per employee
3.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
68.73%Loss allowance to loans
1.28%Loss allowance to noncurrent loans
33.94%Noncurrent assets plus other real estate owned to assets
1.93%Noncurrent loans to loans
3.76%Net loans and leases to deposits
57.58%Net loans and leases to core deposits
61.88%Equity capital to assets
11.28%Core capital (leverage) ratio
10.26%Tier 1 risk-based capital ratio
16.08%Total risk-based capital ratio
Memoranda
$17Average assets
$212,860Average earning assets
$20,976Average equity
$187,086Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$14,526Managed Assets
1Number of Accounts
$14,492Personal trust and agency accounts
$11,889Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$2,603Fiduciary accounts held in foreign offices
$0Non-managed Assets
21Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$34Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$34Fiduciary accounts held in foreign offices

List of branches

10 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	829	Vista Bank	901 Main Street, Ralls, TX 79357	January 25, 1912	Full Service Brick and Mortar
1	187998	Lorenzo Branch	705 6th Street, Lorenzo, TX 79343	November 02, 1987	Full Service Brick and Mortar
2	187999	Crosbyton Branch	104 West Main Street, Crosbyton, TX 79322	September 22, 1992	Full Service Brick and Mortar
3	7119	Petersburg Branch	1523 Main, Petersburg, TX 79250	January 01, 1921	Full Service Brick and Mortar
4	11498	Idalou Branch	301 Main Street, Idalou, TX 79329	November 28, 1955	Full Service Brick and Mortar
5	241923	Abernathy Branch	317 Main, Abernathy, TX 79311	September 15, 1992	Full Service Brick and Mortar
6	2089	Plainview Branch	3000 Olton Road, Plainview, TX 79072	January 01, 1907	Full Service Brick and Mortar
7	196190	Hale Center Branch	701 Main Street, Hale Center, TX 79041	July 20, 1992	Full Service Brick and Mortar
8	494786	98th Street Lubbock Branch	4515 98th Street, Lubbock, TX 79424	August 24, 2009	Full Service Brick and Mortar
9	496109	Lubbock 50th Street Branch	4621 50th Street, Lubbock, TX 79414	November 02, 2009	Full Service Brick and Mortar

Vista Bank in Ralls, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Vista Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Vista Bank in Ralls, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

Vista Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Vista Bank in Ralls, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches