Vista Bank in Ralls, Texas (TX)
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| Vista Bank | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 71 |
| Total assets | $226,658 |
| Cash and due from depository institutions | $11,895 |
| Interest-bearing balances | $2,266 |
| Securities | $66,718 |
| Federal funds sold & reverse repurchase agreements | $15,677 |
| Net loans & leases | $114,787 |
| Loan loss allowance | $1,483 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $10,480 |
| Other real estate owned | $9 |
| Goodwill and other intangibles | $2,576 |
| All other assets | $4,516 |
| Life insurance assets | $226,658 |
| Total liabilities and capital | $201,094 |
| Total liabilities | $199,349 |
| Total deposits | $142,240 |
| Interest-bearing deposits | $199,349 |
| Deposits held in domestic offices | $91 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,745 |
| All other liabilities | $25,564 |
| Total equity capital | $25,564 |
| Total bank equity capital | $25,564 |
| Perpetual preferred stock | $0 |
| Common stock | $1,800 |
| Surplus | $17,400 |
| Undivided profits | $6,364 |
| 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 | $4,369 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,996 |
| Average Assets, year-to-date | $199,448 |
| Average Assets, quarterly | $77,330 |
| Volatile liabilities | $212,860 |
| Insider loans | $217,903 |
| FHLB advances | $135,977 |
| Loans and leases held for sale | $212,987 |
| Unused loan commitments | $499 |
| Tier 1 (core) risk-based capital | $499 |
| Tier 2 risk-based capital | $21,860 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $24,594 |
| Derivatives | $119 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $9,322 |
| Total interest expense | $1,291 |
| Net interest income | $8,031 |
| Provision for loan and lease losses | $542 |
| Total noninterest income | $3,038 |
| Fiduciary activities | $49 |
| Service charges on deposit accounts | $1,280 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,709 |
| Total noninterest expense | $8,693 |
| Salaries and employee benefits | $4,244 |
| Premises and equipment expense | $1,265 |
| Additional noninterest expense | $3,184 |
| Pre-tax net operating income | $1,834 |
| Securities gains (losses) | $262 |
| Applicable income taxes | $500 |
| Income before extraordinary items | $1,596 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,596 |
| Net charge-offs | $0 |
| Cash dividends | $1,596 |
| Sale, conversion, retirement of capital stock, net | $319 |
| Net operating income | $1,097 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.98% |
| Cost of funding earning assets | 0.69% |
| Net interest margin | 4.29% |
| Noninterest income to earning assets | 1.62% |
| Noninterest expense to earning assets | 4.65% |
| Net operating income to assets | 0.66% |
| Return on assets (ROA) | 0.75% |
| Pretax return on assets | 0.98% |
| Return on equity (ROE) | 7.61% |
| Retained earnings to average equity (YTD only) | 2.38% |
| Net charge-offs to loans | 0.27% |
| Credit loss provision to net charge-offs | 169.91% |
| Efficiency ratio | 7.45% |
| Assets per employee | $78,535 |
| Cash dividends to net income (YTD only) | 3.19% |
| Condition Ratios (%) | |
| Loss allowance to loans | 68.73% |
| Loss allowance to noncurrent loans | 1.28% |
| Noncurrent assets plus other real estate owned to assets | 33.94% |
| Noncurrent loans to loans | 1.93% |
| Net loans and leases to deposits | 3.76% |
| Net loans and leases to core deposits | 57.58% |
| Equity capital to assets | 61.88% |
| Core capital (leverage) ratio | 11.28% |
| Tier 1 risk-based capital ratio | 10.26% |
| Total risk-based capital ratio | 16.08% |
| Memoranda | |
| Average assets | $17 |
| Average earning assets | $212,860 |
| Average equity | $20,976 |
| Average loans | $187,086 |
| Total Fiduciary and Related Assets (December 31, 2011) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $14,526 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $14,492 |
| Employee benefit-defined contribution accounts | $11,889 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $2,603 |
| Non-managed Assets | $0 |
| Number of Accounts | 21 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $34 |
| Corporate trust and agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $34 |
| 10 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 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 | |
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