First State Bank in city_name, state_name - Detailed Financial Reports, Location

First State Bank in Yoakum, Texas (TX)
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First State Bank - Overview

General
FDIC Certificate #: 10709
Status: Active
Federal Reserve ID: 564463
Bank Holding Company (Regulatory Top Holder): First State Bancshares Of Yoakum, Inc. (RSSDID: 1107812, Location: Yoakum, TX)
Date Established: January 01, 1931
WWW: http://www.ourhometownbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 6869
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: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
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: 406 West Grand Avenue, Yoakum, TX 77995
County: De Witt
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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $140.2 mil
Equity capital: $16.7 mil
Deposits held in domestic offices: $121.9 mil
Return on assets (ROA): 1.59% ($2.2 mil)
Quarterly return on assets: 1.37% ($1.9 mil)
Return on Equity (ROE): 13.30% ($2.3 mil)
Quarterly return on equity: 11.34% ($1.9 mil)
Net income: $2.1 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.59% ($2,229.4 mil)
Quarterly Pretax return on assets: 1.37% ($1,920.9 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
33Total employees (full-time equivalent)
$140,215Total assets
$22,566Cash and due from depository institutions
$18,487Interest-bearing balances
$52,533Securities
$25Federal funds sold & reverse repurchase agreements
$57,072Net loans & leases
$725Loan loss allowance
$0Trading account assets
$2,681Bank premises and fixed assets
$99Other real estate owned
$22Goodwill and other intangibles
$140,215Life insurance assets
$5,217All other assets
$123,561Total liabilities and capital
$121,852Total liabilities
$97,321Total deposits
$121,852Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,709Subordinated debt
$16,654All other liabilities
$16,654Total equity capital
$16,654Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$5,600Surplus
$10,654Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$199Income earned, not collected on loans
$17Earning assets
$741Long-term assets (5+ years)
$128,117Average Assets, year-to-date
$49,655Average Assets, quarterly
$132,649Volatile liabilities
$138,999Insider loans
$68,528FHLB advances
$139,342Loans and leases held for sale
$3,496Unused loan commitments
$3,496Tier 1 (core) risk-based capital
$14,625Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,447Restructured Loans and leases
$3,154Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,497Total interest income
$999Total interest expense
$4,498Net interest income
$140Provision for loan and lease losses
$897Total noninterest income
$0Fiduciary activities
$510Service charges on deposit accounts
$0Trading account gains & fees
$387Additional noninterest income
$3,176Total noninterest expense
$1,746Salaries and employee benefits
$381Premises and equipment expense
$1,049Additional noninterest expense
$2,079Pre-tax net operating income
$31Securities gains (losses)
$0Applicable income taxes
$2,110Income before extraordinary items
$0Extraordinary gains - net
$2,110Net income attributable to bank
$0Net charge-offs
$2,110Cash dividends
$41Sale, conversion, retirement of capital stock, net
$1,410Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.55%Yield on earning assets
0.83%Cost of funding earning assets
3.72%Net interest margin
0.74%Noninterest income to earning assets
2.63%Noninterest expense to earning assets
1.57%Net operating income to assets
1.59%Return on assets (ROA)
1.59%Pretax return on assets
13.30%Return on equity (ROE)
4.41%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
341.46%Credit loss provision to net charge-offs
54.12%Efficiency ratio
58,072Assets per employee
4.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
66.82%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
364.32%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.34%Net loans and leases to deposits
46.84%Net loans and leases to core deposits
47.23%Equity capital to assets
11.88%Core capital (leverage) ratio
10.50%Tier 1 risk-based capital ratio
21.34%Total risk-based capital ratio
Memoranda
$22Average assets
$132,649Average earning assets
$15,865Average equity
$120,902Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	6869	First State Bank	406 West Grand Avenue, Yoakum, TX 77995	January 01, 1931	Full Service Brick and Mortar
1	286520	Moulton Branch	201 N.Lavaca Street, Moulton, TX 77975	January 01, 1976	Full Service Brick and Mortar

First State Bank in Yoakum, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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First State Bank in Yoakum, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - 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 State Bank in Yoakum, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches