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

Western Bank in Coahoma, Texas (TX)
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Western Bank - Overview

General
FDIC Certificate #: 1720
Status: Active
Federal Reserve ID: 199463
Bank Holding Company (Regulatory Top Holder): Western Bancshares, Inc. (RSSDID: 1103672, Location: Coahoma, TX)
Date Established: January 01, 1909
WWW: http://www.thebank.net
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 11966
FDIC's unique #: 1133
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: May 14, 2009
Last Structure Change Process Date: June 01, 2009
Last Data Update: June 01, 2009
Data Source Date: April 05, 2012
Location
Address: 500 West Broadway, Coahoma, TX 79511
County: Howard
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
Core Based Statistical Area (CBSA): Big Spring, TX (#13700)
CBSA Micro Statistical Area: Yes
History of Changes
Participated in Absorption/Consolidation/Merger
Change in Location
Financial Summary
Total assets: $196.5 mil
Equity capital: $17.8 mil
Deposits held in domestic offices: $174.0 mil
Return on assets (ROA): 0.20% ($0.4 mil)
Quarterly return on assets: 0.22% ($0.4 mil)
Return on Equity (ROE): 2.19% ($0.4 mil)
Quarterly return on equity: 2.43% ($0.4 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.20% ($393.0 mil)
Quarterly Pretax return on assets: 0.27% ($530.5 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
79Total employees (full-time equivalent)
$196,476Total assets
$13,483Cash and due from depository institutions
$7,785Interest-bearing balances
$39,181Securities
$350Federal funds sold & reverse repurchase agreements
$127,680Net loans & leases
$1,962Loan loss allowance
$0Trading account assets
$8,695Bank premises and fixed assets
$976Other real estate owned
$101Goodwill and other intangibles
$196,476Life insurance assets
$6,010All other assets
$178,698Total liabilities and capital
$174,037Total liabilities
$130,270Total deposits
$174,037Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,405Trading liabilities
$0Other borrowed funds
$256Subordinated debt
$17,778All other liabilities
$17,778Total equity capital
$17,778Total bank equity capital
$0Perpetual preferred stock
$586Common stock
$12,633Surplus
$4,559Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$759Income earned, not collected on loans
$0Earning assets
$1,030Long-term assets (5+ years)
$174,996Average Assets, year-to-date
$41,737Average Assets, quarterly
$195,122Volatile liabilities
$197,752Insider loans
$149,962FHLB advances
$197,777Loans and leases held for sale
$2,364Unused loan commitments
$2,364Tier 1 (core) risk-based capital
$17,060Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,053Restructured Loans and leases
$2,705Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,267Total interest income
$1,665Total interest expense
$7,602Net interest income
$1,080Provision for loan and lease losses
$976Total noninterest income
$6Fiduciary activities
$903Service charges on deposit accounts
$0Trading account gains & fees
$67Additional noninterest income
$7,320Total noninterest expense
$3,889Salaries and employee benefits
$1,134Premises and equipment expense
$2,297Additional noninterest expense
$178Pre-tax net operating income
$213Securities gains (losses)
$3Applicable income taxes
$388Income before extraordinary items
$0Extraordinary gains - net
$388Net income attributable to bank
$0Net charge-offs
$388Cash dividends
$516Sale, conversion, retirement of capital stock, net
$150Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.35%Yield on earning assets
0.96%Cost of funding earning assets
4.39%Net interest margin
0.56%Noninterest income to earning assets
4.23%Noninterest expense to earning assets
0.09%Net operating income to assets
0.20%Return on assets (ROA)
0.20%Pretax return on assets
2.19%Return on equity (ROE)
1.34%Retained earnings to average equity (YTD only)
0.39%Net charge-offs to loans
209.30%Credit loss provision to net charge-offs
2.44%Efficiency ratio
85,335Assets per employee
2.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.66%Loss allowance to loans
1.51%Loss allowance to noncurrent loans
258.50%Noncurrent assets plus other real estate owned to assets
0.88%Noncurrent loans to loans
0.59%Net loans and leases to deposits
73.36%Net loans and leases to core deposits
77.33%Equity capital to assets
9.05%Core capital (leverage) ratio
8.63%Tier 1 risk-based capital ratio
11.38%Total risk-based capital ratio
Memoranda
$13Average assets
$195,122Average earning assets
$17,753Average equity
$173,234Average loans

Total Fiduciary and Related Assets (December 31, 2010)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$13,519Managed Assets
1Number of Accounts
$9,373Personal trust and agency accounts
$9,305Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$68Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
24Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$4,146Other retirement accounts
$0Corporate trust and agency accounts
$2,989Other fiduciary accounts
$1,003Fiduciary accounts held in foreign offices

List of branches

8 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1133	Western Bank	500 West Broadway, Coahoma, TX 79511	January 01, 1909	Full Service Brick and Mortar
1	32124	Van Horn Branch	1800 W. Broadway Ste 316, Van Horn, TX 79855	January 22, 1985	Full Service Brick and Mortar
2	478766	Brownwood Branch	1110 Clements, Brownwood, TX 76801	August 27, 2007	Full Service Brick and Mortar
5	822	Loraine Branch	100 S Main Street, Loraine, TX 79532	January 01, 1908	Full Service Brick and Mortar
6	245343	Big Spring Branch	1810 East Fm 700, Big Spring, TX 79720	September 21, 1992	Full Service Brick and Mortar
7	225036	Abilene Branch	2550 Buffalo Gap Rd, Abilene, TX 79605	March 01, 1995	Full Service Brick and Mortar
8	429763	Downtown Big Spring Branch	607 S. Scurry, Big Spring, TX 79720	July 01, 2003	Full Service Brick and Mortar
9	491011	Lubbock Branch	5701 82nd Street, Lubbock, TX 79424	May 14, 2009	Full Service Brick and Mortar

Western Bank in Coahoma, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Western 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, 2010)

List of branches

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

Western Bank in Coahoma, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

Western 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, 2010)

List of branches

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

Western Bank in Coahoma, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches