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

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
  • NoIDNameAddressEstablishedService TypeMap
    01133Western Bank500 West Broadway, Coahoma, TX 79511January 01, 1909Full Service Brick and Mortar
    132124Van Horn Branch1800 W. Broadway Ste 316, Van Horn, TX 79855January 22, 1985Full Service Brick and Mortar
    2478766Brownwood Branch1110 Clements, Brownwood, TX 76801August 27, 2007Full Service Brick and Mortar
    5822Loraine Branch100 S Main Street, Loraine, TX 79532January 01, 1908Full Service Brick and Mortar
    6245343Big Spring Branch1810 East Fm 700, Big Spring, TX 79720September 21, 1992Full Service Brick and Mortar
    7225036Abilene Branch2550 Buffalo Gap Rd, Abilene, TX 79605March 01, 1995Full Service Brick and Mortar
    8429763Downtown Big Spring Branch607 S. Scurry, Big Spring, TX 79720July 01, 2003Full Service Brick and Mortar
    9491011Lubbock Branch5701 82nd Street, Lubbock, TX 79424May 14, 2009Full Service Brick and Mortar

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