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

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

General
FDIC Certificate #: 15206
Status: Active
Federal Reserve ID: 264455
Bank Holding Company (Regulatory Top Holder): Jane Austin Chapman Limited Partnership, L.P. (RSSDID: 3072660, Location: Frankston, TX)
Date Established: May 01, 1935
WWW: http://www.fsbathens.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
FDIC's unique #: 9566
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: June 28, 1935
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: 130 East Corsicana Street, Athens, TX 75751
County: Henderson
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Dallas
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Athens, TX (#11980)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $334.5 mil
Equity capital: $37.0 mil
Deposits held in domestic offices: $296.0 mil
Return on assets (ROA): 1.22% ($4.1 mil)
Quarterly return on assets: 1.17% ($3.9 mil)
Return on Equity (ROE): 11.19% ($4.1 mil)
Quarterly return on equity: 10.40% ($3.8 mil)
Net income: $4.1 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.77% ($5,920.4 mil)
Quarterly Pretax return on assets: 1.79% ($5,987.3 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
92Total employees (full-time equivalent)
$334,485Total assets
$42,634Cash and due from depository institutions
$14,227Interest-bearing balances
$55,303Securities
$28,940Federal funds sold & reverse repurchase agreements
$195,296Net loans & leases
$3,127Loan loss allowance
$0Trading account assets
$6,577Bank premises and fixed assets
$427Other real estate owned
$15Goodwill and other intangibles
$334,485Life insurance assets
$5,293All other assets
$297,485Total liabilities and capital
$295,966Total liabilities
$207,455Total deposits
$295,966Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$9Trading liabilities
$0Other borrowed funds
$1,510Subordinated debt
$37,000All other liabilities
$37,000Total equity capital
$37,000Total bank equity capital
$0Perpetual preferred stock
$4,000Common stock
$16,000Surplus
$17,000Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,220Income earned, not collected on loans
$0Earning assets
$1,238Long-term assets (5+ years)
$293,766Average Assets, year-to-date
$138,585Average Assets, quarterly
$335,225Volatile liabilities
$332,473Insider loans
$196,597FHLB advances
$332,675Loans and leases held for sale
$524Unused loan commitments
$524Tier 1 (core) risk-based capital
$35,746Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,137Restructured Loans and leases
$2,361Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,028Total interest income
$1,093Total interest expense
$13,935Net interest income
$600Provision for loan and lease losses
$3,729Total noninterest income
$0Fiduciary activities
$1,936Service charges on deposit accounts
$0Trading account gains & fees
$1,793Additional noninterest income
$11,139Total noninterest expense
$6,313Salaries and employee benefits
$1,326Premises and equipment expense
$3,500Additional noninterest expense
$5,925Pre-tax net operating income
$0Securities gains (losses)
$1,846Applicable income taxes
$4,079Income before extraordinary items
$0Extraordinary gains - net
$4,079Net income attributable to bank
$0Net charge-offs
$4,079Cash dividends
$315Sale, conversion, retirement of capital stock, net
$2,400Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.97%Yield on earning assets
0.36%Cost of funding earning assets
4.61%Net interest margin
1.23%Noninterest income to earning assets
3.68%Noninterest expense to earning assets
1.22%Net operating income to assets
1.22%Return on assets (ROA)
1.77%Pretax return on assets
11.19%Return on equity (ROE)
4.60%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
190.48%Credit loss provision to net charge-offs
20.71%Efficiency ratio
61,974Assets per employee
3.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
58.84%Loss allowance to loans
1.58%Loss allowance to noncurrent loans
74.10%Noncurrent assets plus other real estate owned to assets
1.39%Noncurrent loans to loans
2.13%Net loans and leases to deposits
65.99%Net loans and leases to core deposits
69.03%Equity capital to assets
11.06%Core capital (leverage) ratio
10.75%Tier 1 risk-based capital ratio
18.18%Total risk-based capital ratio
Memoranda
$19Average assets
$335,225Average earning assets
$36,460Average equity
$302,348Average loans

Total Fiduciary and Related Assets (December 31, 2001)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$617Managed Assets
1Number of Accounts
$617Personal trust and agency accounts
$601Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$16Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
12Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

6 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9566	First State Bank	130 East Corsicana Street, Athens, TX 75751	May 01, 1935	Full Service Brick and Mortar
1	233347	Drive-In Facility	202 South Palestine Street, Athens, TX 75751	September 26, 1973	Limited Service Facility
2	10757	Mabank Branch	201 South Third Street, Mabank, TX 75147	January 13, 1947	Full Service Brick and Mortar
4	16947	Tyler Street Branch	1114 East Tyler Street, Athens, TX 75751	Febuary 07, 1983	Full Service Brick and Mortar
5	288415	Malakoff Branch	210 East Royall Blvd, Malakoff, TX 75148	August 19, 1988	Full Service Brick and Mortar
8	442368	Gun Barrel City Branch	118 W. Main St, Gun Barrel City, TX 75147	June 06, 2005	Limited Service Mobile

First State Bank in Athens, 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)

Total Fiduciary and Related Assets (December 31, 2001)

List of branches

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

First State Bank in Athens, 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)

Total Fiduciary and Related Assets (December 31, 2001)

List of branches

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

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