Western Bank in Coahoma, Texas (TX)



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Table of contents:
Western Bank
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Change in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)79
Total assets$196,476
Cash and due from depository institutions$13,483
Interest-bearing balances$7,785
Securities$39,181
Federal funds sold & reverse repurchase agreements$350
Net loans & leases$127,680
Loan loss allowance $1,962
Trading account assets$0
Bank premises and fixed assets$8,695
Other real estate owned$976
Goodwill and other intangibles$101
All other assets$6,010
Life insurance assets$196,476
Total liabilities and capital$178,698
Total liabilities$174,037
Total deposits$130,270
Interest-bearing deposits$174,037
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,405
Other borrowed funds $0
Subordinated debt $256
All other liabilities $17,778
Total equity capital$17,778
Total bank equity capital$17,778
Perpetual preferred stock$0
Common stock$586
Surplus$12,633
Undivided profits $4,559
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 $759
Earning assets $0
Long-term assets (5+ years) $1,030
Average Assets, year-to-date $174,996
Average Assets, quarterly $41,737
Volatile liabilities $195,122
Insider loans $197,752
FHLB advances $149,962
Loans and leases held for sale $197,777
Unused loan commitments $2,364
Tier 1 (core) risk-based capital $2,364
Tier 2 risk-based capital $17,060
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,053
Derivatives$2,705
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,267
Total interest expense $1,665
Net interest income $7,602
Provision for loan and lease losses $1,080
Total noninterest income $976
Fiduciary activities $6
Service charges on deposit accounts $903
Trading account gains & fees $0
Additional noninterest income $67
Total noninterest expense $7,320
Salaries and employee benefits $3,889
Premises and equipment expense $1,134
Additional noninterest expense $2,297
Pre-tax net operating income $178
Securities gains (losses) $213
Applicable income taxes $3
Income before extraordinary items $388
Extraordinary gains - net $0
Net income attributable to bank $388
Net charge-offs $0
Cash dividends $388
Sale, conversion, retirement of capital stock, net $516
Net operating income $150
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.35%
Cost of funding earning assets 0.96%
Net interest margin 4.39%
Noninterest income to earning assets 0.56%
Noninterest expense to earning assets 4.23%
Net operating income to assets 0.09%
Return on assets (ROA) 0.20%
Pretax return on assets 0.20%
Return on equity (ROE) 2.19%
Retained earnings to average equity (YTD only) 1.34%
Net charge-offs to loans 0.39%
Credit loss provision to net charge-offs 209.30%
Efficiency ratio2.44%
Assets per employee$85,335
Cash dividends to net income (YTD only)2.49%
Condition Ratios (%)
Loss allowance to loans 38.66%
Loss allowance to noncurrent loans 1.51%
Noncurrent assets plus other real estate owned to assets 258.50%
Noncurrent loans to loans 0.88%
Net loans and leases to deposits0.59%
Net loans and leases to core deposits 73.36%
Equity capital to assets 77.33%
Core capital (leverage) ratio 9.05%
Tier 1 risk-based capital ratio 8.63%
Total risk-based capital ratio 11.38%
Memoranda
Average assets$13
Average earning assets$195,122
Average equity $17,753
Average loans $173,234
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Total Fiduciary and Related Assets (December 31, 2010)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$13,519
Number of Accounts1
Personal trust and agency accounts$9,373
Employee benefit-defined contribution accounts$9,305
Employee benefit-defined benefit accounts$0
Other retirement accounts$68
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts24
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$4,146
Corporate trust and agency accounts$0
Other fiduciary accounts$2,989
Fiduciary accounts held in foreign offices$1,003
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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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