First Star Bank, S.S.B. in city_name, state_name - Detailed Financial Reports, Location

First Star Bank, S.S.B. in Bremond, Texas (TX)
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First Star Bank, S.S.B. routing number info

First Star Bank, S.S.B. - Overview

General
FDIC Certificate #: 1176
Status: Active
Federal Reserve ID: 105053
Bank Holding Company (Regulatory Top Holder): Southern Bancshares, Inc. (RSSDID: 1107184, Location: Houston, TX)
Date Established: January 01, 1905
WWW: http://www.fsbbremond.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 16062
FDIC's unique #: 806
Numeric code: 41
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: 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: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 18, 2007
Last Structure Change Process Date: January 25, 2007
Last Data Update: January 25, 2007
Data Source Date: April 05, 2012
Location
Address: 109 Commerce Street, Bremond, TX 76629
County: Robertson
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
Core Based Statistical Area (CBSA): College Station-Bryan, TX (#17780)
CBSA Metro Statistical Area: College Station-Bryan, TX (#17780)
History of Changes
Name Change
Financial Summary
Total assets: $270.8 mil
Equity capital: $20.1 mil
Deposits held in domestic offices: $209.6 mil
Return on assets (ROA): 1.42% ($3.8 mil)
Quarterly return on assets: 1.31% ($3.6 mil)
Return on Equity (ROE): 17.53% ($3.5 mil)
Quarterly return on equity: 17.29% ($3.5 mil)
Net income: $3.2 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 2.15% ($5,822.7 mil)
Quarterly Pretax return on assets: 2.01% ($5,443.6 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
48Total employees (full-time equivalent)
$270,824Total assets
$21,550Cash and due from depository institutions
$14,858Interest-bearing balances
$48,586Securities
$255Federal funds sold & reverse repurchase agreements
$188,860Net loans & leases
$1,096Loan loss allowance
$0Trading account assets
$6,568Bank premises and fixed assets
$1,100Other real estate owned
$0Goodwill and other intangibles
$270,824Life insurance assets
$3,905All other assets
$250,731Total liabilities and capital
$209,634Total liabilities
$176,664Total deposits
$209,634Interest-bearing deposits
$82Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$40,822Trading liabilities
$0Other borrowed funds
$275Subordinated debt
$20,093All other liabilities
$20,093Total equity capital
$20,093Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$4,706Surplus
$15,087Undivided profits
Memoranda
$0Noncurrent loans and leases
$117,288Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$384Income earned, not collected on loans
$0Earning assets
$1,057Long-term assets (5+ years)
$252,559Average Assets, year-to-date
$83,039Average Assets, quarterly
$224,096Volatile liabilities
$260,278Insider loans
$141,732FHLB advances
$242,392Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$20,154Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,011Restructured Loans and leases
$336Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,786Total interest income
$1,418Total interest expense
$8,368Net interest income
$25Provision for loan and lease losses
$1,538Total noninterest income
$0Fiduciary activities
$744Service charges on deposit accounts
$0Trading account gains & fees
$794Additional noninterest income
$6,240Total noninterest expense
$3,264Salaries and employee benefits
$973Premises and equipment expense
$2,003Additional noninterest expense
$3,641Pre-tax net operating income
$985Securities gains (losses)
$1,652Applicable income taxes
$2,974Income before extraordinary items
$201Extraordinary gains - net
$3,175Net income attributable to bank
$0Net charge-offs
$3,175Cash dividends
$122Sale, conversion, retirement of capital stock, net
$300Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.71%Yield on earning assets
0.68%Cost of funding earning assets
4.03%Net interest margin
0.74%Noninterest income to earning assets
3.00%Noninterest expense to earning assets
1.05%Net operating income to assets
1.42%Return on assets (ROA)
2.15%Pretax return on assets
17.53%Return on equity (ROE)
15.87%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
20.49%Credit loss provision to net charge-offs
30.05%Efficiency ratio
62,992Assets per employee
5.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
9.45%Loss allowance to loans
0.58%Loss allowance to noncurrent loans
285.42%Noncurrent assets plus other real estate owned to assets
0.55%Noncurrent loans to loans
0.20%Net loans and leases to deposits
90.09%Net loans and leases to core deposits
96.86%Equity capital to assets
7.42%Core capital (leverage) ratio
8.31%Tier 1 risk-based capital ratio
14.22%Total risk-based capital ratio
Memoranda
$15Average assets
$224,096Average earning assets
$18,111Average equity
$207,899Average loans

List of branches

4 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	806	First Star Bank, S.S.b.	109 Commerce Street, Bremond, TX 76629	January 01, 1905	Full Service Brick and Mortar
1	8381	Calvert Branch	100 S Main Street, Calvert, TX 77837	Febuary 27, 1927	Full Service Brick and Mortar
2	187980	Franklin Branch	Hwy 79, Franklin, TX 77856	June 09, 1999	Full Service Brick and Mortar
3	446148	South Market Street Branch	1308 South Market Street, Hearne, TX 77859	December 05, 2005	Full Service Brick and Mortar

First Star Bank, S.S.B. in Bremond, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Star Bank, S.S.B. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Star Bank, S.S.B. in Bremond, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

First Star Bank, S.S.B. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Star Bank, S.S.B. in Bremond, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches