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

This bank is inactive as of December 20, 1996

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

General
FDIC Certificate #: 11549
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First American Bank SSB (#27444)
Federal Reserve ID: 119452
Date Established: December 22, 1928
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 11074
FDIC's unique #: 7379
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 20, 1996
Last Structure Change Process Date: January 10, 1997
Last Data Update: January 10, 1997
Data Source Date: April 05, 2012
Location
Address: Buck And Echols Streets, Caldwell, TX 77836
County: Burleson
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)
Financial Summary
Total assets: $54.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$48Total assets
$55,116Cash and due from depository institutions
$2,426Interest-bearing balances
$3Securities
$21,799Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$27,735Loan loss allowance
$238Trading account assets
$0Bank premises and fixed assets
$2,164Other real estate owned
$113Goodwill and other intangibles
$788Life insurance assets
$91All other assets
$0Total liabilities and capital
$55,116Total liabilities
$50,716Total deposits
$48,399Interest-bearing deposits
$39,134Deposits held in domestic offices
48399.00%% insured (estimated)
$82Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,935Subordinated debt
$0All other liabilities
$382Total equity capital
$382Total bank equity capital
$4,400Perpetual preferred stock
$0Common stock
$600Surplus
$1,500Undivided profits
Memoranda
$2,300Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$324Income earned, not collected on loans
$366Earning assets
$49,537Long-term assets (5+ years)
$1,753Average Assets, year-to-date
$51,634Average Assets, quarterly
$53,789Volatile liabilities
$4,542Insider loans
$61FHLB advances
$0Loans and leases held for sale
$517Unused loan commitments
$1,681Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,309Total risk weighted assets
$25,745Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$4,095Total interest expense
$1,346Net interest income
$2,749Provision for loan and lease losses
-$20Total noninterest income
$923Fiduciary activities
$0Service charges on deposit accounts
$798Trading account gains & fees
$0Additional noninterest income
$125Total noninterest expense
$2,690Salaries and employee benefits
$1,336Premises and equipment expense
$315Additional noninterest expense
$1,039Pre-tax net operating income
$1,002Securities gains (losses)
$0Applicable income taxes
$335Income before extraordinary items
$667Extraordinary gains - net
$0Net income attributable to bank
$667Net charge-offs
$27Cash dividends
$102Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.82%Cost of funding earning assets
2.90%Net interest margin
5.92%Noninterest income to earning assets
1.99%Noninterest expense to earning assets
5.80%Net operating income to assets
1.29%Return on assets (ROA)
1.29%Pretax return on assets
1.94%Return on equity (ROE)
16.22%Retained earnings to average equity (YTD only)
13.74%Net charge-offs to loans
0.12%Credit loss provision to net charge-offs
-74.07%Efficiency ratio
72,849Assets per employee
1.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
15.29%Loss allowance to loans
0.85%Loss allowance to noncurrent loans
73.46%Noncurrent assets plus other real estate owned to assets
0.79%Noncurrent loans to loans
1.16%Net loans and leases to deposits
57.30%Net loans and leases to core deposits
60.57%Equity capital to assets
7.98%Core capital (leverage) ratio
8.00%Tier 1 risk-based capital ratio
16.74%Total risk-based capital ratio
Memoranda
$18Average assets
$51,634Average earning assets
$4,112Average equity
$46,407Average loans

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