FDIC Certificate #: 19278 Status: Active Federal Reserve ID: 732954 Date Established: July 01, 1907 WWW:http://www.carminestatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 13091 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: November 04, 1964 Last Structure Change Effective Date: June 13, 2007 Last Structure Change Process Date: June 21, 2010 Last Data Update: June 21, 2010 Data Source Date: April 05, 2012
Location
Address: 235 Centennial Street, Carmine, TX 78932 County: Fayette 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
History of Changes
Change in Location
Financial Summary
Total assets: $57.5 mil Equity capital: $7.5 mil Deposits held in domestic offices: $49.8 mil Return on assets (ROA): 1.21% ($0.7 mil) Quarterly return on assets: 1.04% ($0.6 mil) Return on Equity (ROE): 9.49% ($0.7 mil) Quarterly return on equity: 8.04% ($0.6 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.21% ($695.1 mil) Quarterly Pretax return on assets: 0.98% ($563.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$57,450Total assets
$12,270Cash and due from depository institutions
$10,390Interest-bearing balances
$26,331Securities
$2,550Federal funds sold & reverse repurchase agreements
$15,434Net loans & leases
$167Loan loss allowance
$0Trading account assets
$264Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$57,450Life insurance assets
$601All other assets
$49,964Total liabilities and capital
$49,822Total liabilities
$41,183Total deposits
$49,822Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$142Subordinated debt
$7,486All other liabilities
$7,486Total equity capital
$7,486Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$800Surplus
$6,286Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$59Income earned, not collected on loans
$0Earning assets
$453Long-term assets (5+ years)
$54,705Average Assets, year-to-date
$29,287Average Assets, quarterly
$55,126Volatile liabilities
$57,475Insider loans
$23,578FHLB advances
$58,323Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,159Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$333Restructured Loans and leases
$54Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,245Total interest income
$511Total interest expense
$1,734Net interest income
$0Provision for loan and lease losses
$117Total noninterest income
$0Fiduciary activities
$93Service charges on deposit accounts
$0Trading account gains & fees
$24Additional noninterest income
$1,194Total noninterest expense
$719Salaries and employee benefits
$108Premises and equipment expense
$367Additional noninterest expense
$657Pre-tax net operating income
$8Securities gains (losses)
-$4Applicable income taxes
$669Income before extraordinary items
$0Extraordinary gains - net
$669Net income attributable to bank
$0Net charge-offs
$669Cash dividends
-$42Sale, conversion, retirement of capital stock, net
$200Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.26%Yield on earning assets
0.97%Cost of funding earning assets
3.29%Net interest margin
0.22%Noninterest income to earning assets
2.27%Noninterest expense to earning assets
1.20%Net operating income to assets
1.21%Return on assets (ROA)
1.21%Pretax return on assets
9.49%Return on equity (ROE)
6.65%Retained earnings to average equity (YTD only)
-0.28%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
64,506Assets per employee
4.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
29.90%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
283.05%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.38%Net loans and leases to deposits
30.98%Net loans and leases to core deposits
34.90%Equity capital to assets
13.03%Core capital (leverage) ratio
12.27%Tier 1 risk-based capital ratio
30.36%Total risk-based capital ratio
Memoranda
$31Average assets
$55,126Average earning assets
$7,049Average equity
$52,707Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
13091
Carmine State Bank
235 Centennial Street, Carmine, TX 78932
July 01, 1907
Full Service Brick and Mortar
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