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


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
  • NoIDNameAddressEstablishedService TypeMap
    0829Vista Bank901 Main Street, Ralls, TX 79357January 25, 1912Full Service Brick and Mortar
    1187998Lorenzo Branch705 6th Street, Lorenzo, TX 79343November 02, 1987Full Service Brick and Mortar
    2187999Crosbyton Branch104 West Main Street, Crosbyton, TX 79322September 22, 1992Full Service Brick and Mortar
    37119Petersburg Branch1523 Main, Petersburg, TX 79250January 01, 1921Full Service Brick and Mortar
    411498Idalou Branch301 Main Street, Idalou, TX 79329November 28, 1955Full Service Brick and Mortar
    5241923Abernathy Branch317 Main, Abernathy, TX 79311September 15, 1992Full Service Brick and Mortar
    62089Plainview Branch3000 Olton Road, Plainview, TX 79072January 01, 1907Full Service Brick and Mortar
    7196190Hale Center Branch701 Main Street, Hale Center, TX 79041July 20, 1992Full Service Brick and Mortar
    849478698th Street Lubbock Branch4515 98th Street, Lubbock, TX 79424August 24, 2009Full Service Brick and Mortar
    9496109Lubbock 50th Street Branch4621 50th Street, Lubbock, TX 79414November 02, 2009Full Service Brick and Mortar

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