FDIC Certificate #: 10712 Status: Active Federal Reserve ID: 33754 Bank Holding Company (Regulatory Top Holder): Bertram Bancshares, Inc. (RSSDID: 4211345, Location: Bertram, TX) Date Established: August 01, 1918 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 #: 6872 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: January 01, 1934 Last Structure Change Effective Date: October 31, 2011 Last Structure Change Process Date: November 01, 2011 Last Data Update: November 01, 2011 Data Source Date: April 05, 2012
Location
Address: 2 N Main St, Bertram, TX 78605 County: Burnet 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 Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126) Core Based Statistical Area (CBSA): Marble Falls, TX (#31920) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $32.8 mil Equity capital: $4.5 mil Deposits held in domestic offices: $28.0 mil Return on assets (ROA): 0.04% ($0.0 mil) Quarterly return on assets: -1.69% (-$0.6 mil) Return on Equity (ROE): 0.30% ($0.0 mil) Quarterly return on equity: -11.00% (-$0.4 mil) Net income: $0.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.39% (-$128.1 mil) Quarterly Pretax return on assets: -3.47% (-$1,139.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$32,849Total assets
$4,014Cash and due from depository institutions
$99Interest-bearing balances
$17,879Securities
$0Federal funds sold & reverse repurchase agreements
$9,572Net loans & leases
$306Loan loss allowance
$0Trading account assets
$919Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$32,849Life insurance assets
$465All other assets
$28,354Total liabilities and capital
$27,989Total liabilities
$21,728Total deposits
$27,989Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$365Subordinated debt
$4,495All other liabilities
$4,495Total equity capital
$4,495Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$1,100Surplus
$3,095Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$38Income earned, not collected on loans
$0Earning assets
$232Long-term assets (5+ years)
$27,550Average Assets, year-to-date
$15,361Average Assets, quarterly
$33,890Volatile liabilities
$34,585Insider loans
$16,712FHLB advances
$34,739Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,956Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,510Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,154Total interest income
$191Total interest expense
$963Net interest income
$247Provision for loan and lease losses
$164Total noninterest income
$0Fiduciary activities
$114Service charges on deposit accounts
$0Trading account gains & fees
$50Additional noninterest income
$1,013Total noninterest expense
$487Salaries and employee benefits
$200Premises and equipment expense
$326Additional noninterest expense
-$133Pre-tax net operating income
$0Securities gains (losses)
-$148Applicable income taxes
$15Income before extraordinary items
$0Extraordinary gains - net
$15Net income attributable to bank
$0Net charge-offs
$15Cash dividends
$24Sale, conversion, retirement of capital stock, net
$272Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.14%Yield on earning assets
0.69%Cost of funding earning assets
3.46%Net interest margin
0.59%Noninterest income to earning assets
3.63%Noninterest expense to earning assets
0.04%Net operating income to assets
0.04%Return on assets (ROA)
-0.39%Pretax return on assets
0.30%Return on equity (ROE)
-5.08%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
1029.17%Credit loss provision to net charge-offs
4.75%Efficiency ratio
89,885Assets per employee
2.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
1813.33%Loss allowance to loans
3.10%Loss allowance to noncurrent loans
805.26%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.38%Net loans and leases to deposits
34.20%Net loans and leases to core deposits
34.20%Equity capital to assets
13.68%Core capital (leverage) ratio
11.39%Tier 1 risk-based capital ratio
23.67%Total risk-based capital ratio
Memoranda
$25Average assets
$33,890Average earning assets
$5,057Average equity
$27,870Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6872
Farmers State Bank
2 N Main St, Bertram, TX 78605
August 01, 1918
Full Service Brick and Mortar
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