FDIC Certificate #: 58545 Status: Active Federal Reserve ID: 3606971 Date Established: August 06, 2007 Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 455837 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: August 06, 2007 Last Structure Change Effective Date: August 06, 2007 Last Structure Change Process Date: October 30, 2007 Last Data Update: October 30, 2007 Data Source Date: April 05, 2012
Location
Address: 1910 W. Braker Lane, Ste 100, Austin, TX 78758 County: Travis Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640) Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126) Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420) CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
History of Changes
Change in Primary Regulatory Agency
Change in Supervisory Agency
Change in Chartering Agent
Financial Summary
Total assets: $79.6 mil Equity capital: $12.7 mil Deposits held in domestic offices: $43.0 mil Return on assets (ROA): 0.08% ($0.1 mil) Quarterly return on assets: -0.54% (-$0.4 mil) Return on Equity (ROE): 0.50% ($0.1 mil) Quarterly return on equity: -3.33% (-$0.4 mil) Net income: $0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.08% ($63.7 mil) Quarterly Pretax return on assets: -0.54% (-$429.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$79,582Total assets
$493Cash and due from depository institutions
$0Interest-bearing balances
$52,167Securities
$6,465Federal funds sold & reverse repurchase agreements
$17,626Net loans & leases
$192Loan loss allowance
$0Trading account assets
$168Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$79,582Life insurance assets
$2,663All other assets
$66,839Total liabilities and capital
$42,964Total liabilities
$32,651Total deposits
$42,964Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$23,800Trading liabilities
$0Other borrowed funds
$75Subordinated debt
$12,743All other liabilities
$12,743Total equity capital
$12,743Total bank equity capital
$0Perpetual preferred stock
$5,885Common stock
$6,056Surplus
$802Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$250Long-term assets (5+ years)
$76,258Average Assets, year-to-date
$53,567Average Assets, quarterly
$73,690Volatile liabilities
$79,553Insider loans
$26,174FHLB advances
$83,721Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,458Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,017Restructured Loans and leases
$3,446Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,428Total interest income
$606Total interest expense
$1,822Net interest income
$63Provision for loan and lease losses
$34Total noninterest income
$0Fiduciary activities
$34Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$1,797Total noninterest expense
$753Salaries and employee benefits
$276Premises and equipment expense
$768Additional noninterest expense
-$4Pre-tax net operating income
$63Securities gains (losses)
$0Applicable income taxes
$59Income before extraordinary items
$0Extraordinary gains - net
$59Net income attributable to bank
$0Net charge-offs
$59Cash dividends
$0Sale, conversion, retirement of capital stock, net
$59Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.45%Yield on earning assets
0.86%Cost of funding earning assets
2.59%Net interest margin
0.05%Noninterest income to earning assets
2.55%Noninterest expense to earning assets
-0.01%Net operating income to assets
0.08%Return on assets (ROA)
0.08%Pretax return on assets
0.50%Return on equity (ROE)
0.00%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
96,821Assets per employee
9.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
100.00%Loss allowance to loans
1.08%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
41.03%Net loans and leases to core deposits
42.33%Equity capital to assets
16.01%Core capital (leverage) ratio
14.88%Tier 1 risk-based capital ratio
47.60%Total risk-based capital ratio
Memoranda
$48Average assets
$73,690Average earning assets
$11,839Average equity
$70,427Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
455837
Business Bank Of Texas, N.A.
1910 W. Braker Lane, Ste 100, Austin, TX 78758
August 06, 2007
Full Service Brick and Mortar
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