FDIC Certificate #: 10352 Status: Active Federal Reserve ID: 701857 Bank Holding Company (Regulatory Top Holder): Crowell Bancshares, Inc. (RSSDID: 1894998, Location: Crowell, TX) Date Established: December 28, 1931 WWW:http://www.crowellstatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 14754 FDIC's unique #: 6630 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 100 East Commerce St., Crowell, TX 79227 County: Foard 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
History of Changes
Change in Location
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $31.5 mil Equity capital: $3.1 mil Deposits held in domestic offices: $28.0 mil Return on assets (ROA): 0.90% ($0.3 mil) Quarterly return on assets: -0.32% (-$0.1 mil) Return on Equity (ROE): 8.78% ($0.3 mil) Quarterly return on equity: -3.17% (-$0.1 mil) Net income: $0.3 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.90% ($283.7 mil) Quarterly Pretax return on assets: -0.32% (-$100.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$31,525Total assets
$6,841Cash and due from depository institutions
$4,343Interest-bearing balances
$5,797Securities
$1,885Federal funds sold & reverse repurchase agreements
$15,061Net loans & leases
$222Loan loss allowance
$0Trading account assets
$299Bank premises and fixed assets
$330Other real estate owned
$0Goodwill and other intangibles
$31,525Life insurance assets
$1,312All other assets
$28,442Total liabilities and capital
$28,036Total liabilities
$16,806Total deposits
$28,036Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$406Subordinated debt
$3,083All other liabilities
$3,083Total equity capital
$3,083Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$900Surplus
$2,083Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$381Income earned, not collected on loans
$0Earning assets
$185Long-term assets (5+ years)
$27,086Average Assets, year-to-date
$4,272Average Assets, quarterly
$30,565Volatile liabilities
$31,291Insider loans
$18,637FHLB advances
$31,716Loans and leases held for sale
$869Unused loan commitments
$869Tier 1 (core) risk-based capital
$3,041Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,215Restructured Loans and leases
$565Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,314Total interest income
$176Total interest expense
$1,138Net interest income
$28Provision for loan and lease losses
$389Total noninterest income
$0Fiduciary activities
$307Service charges on deposit accounts
$0Trading account gains & fees
$82Additional noninterest income
$1,225Total noninterest expense
$733Salaries and employee benefits
$107Premises and equipment expense
$385Additional noninterest expense
$274Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$274Income before extraordinary items
$0Extraordinary gains - net
$274Net income attributable to bank
$0Net charge-offs
$274Cash dividends
$37Sale, conversion, retirement of capital stock, net
$176Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.14%Yield on earning assets
0.69%Cost of funding earning assets
4.45%Net interest margin
1.52%Noninterest income to earning assets
4.79%Noninterest expense to earning assets
0.90%Net operating income to assets
0.90%Return on assets (ROA)
0.90%Pretax return on assets
8.78%Return on equity (ROE)
3.14%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
75.68%Credit loss provision to net charge-offs
8.16%Efficiency ratio
80,223Assets per employee
2.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
64.23%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
58.27%Noncurrent assets plus other real estate owned to assets
2.26%Noncurrent loans to loans
2.49%Net loans and leases to deposits
53.72%Net loans and leases to core deposits
57.65%Equity capital to assets
9.78%Core capital (leverage) ratio
9.59%Tier 1 risk-based capital ratio
16.32%Total risk-based capital ratio
Memoranda
$18Average assets
$30,565Average earning assets
$3,121Average equity
$25,568Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6630
Crowell State Bank
100 East Commerce St., Crowell, TX 79227
December 28, 1931
Full Service Brick and Mortar
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