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

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

General
FDIC Certificate #: 15511
Status: Active
Federal Reserve ID: 435750
Bank Holding Company (Regulatory Top Holder): Red River Bancorp, Inc. (RSSDID: 1132243, Location: Gainesville, TX)
Date Established: August 16, 1905
WWW: http://www.f-s-b.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 11 (Domestic: 11, Interstate: No)
FDIC's unique #: 9810
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: July 09, 1937
Last Structure Change Effective Date: May 07, 2008
Last Structure Change Process Date: May 16, 2008
Last Data Update: May 16, 2008
Data Source Date: April 05, 2012
Location
Address: 801 East California Street, Gainesville, TX 76240
County: Cooke
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
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Gainesville, TX (#23620)
CBSA Micro Statistical Area: Yes
History of Changes
Corrections
Office Purchased
Financial Summary
Total assets: $576.6 mil
Equity capital: $56.5 mil
Deposits held in domestic offices: $503.5 mil
Return on assets (ROA): 0.94% ($5.4 mil)
Quarterly return on assets: 0.77% ($4.4 mil)
Return on Equity (ROE): 10.08% ($5.7 mil)
Quarterly return on equity: 7.76% ($4.4 mil)
Net income: $5.0 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 0.94% ($5,420.0 mil)
Quarterly Pretax return on assets: 0.77% ($4,439.8 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
137Total employees (full-time equivalent)
$576,593Total assets
$63,461Cash and due from depository institutions
$51,254Interest-bearing balances
$230,879Securities
$0Federal funds sold & reverse repurchase agreements
$246,072Net loans & leases
$3,436Loan loss allowance
$0Trading account assets
$13,588Bank premises and fixed assets
$2,227Other real estate owned
$4,190Goodwill and other intangibles
$576,593Life insurance assets
$16,176All other assets
$520,046Total liabilities and capital
$503,531Total liabilities
$347,973Total deposits
$503,531Interest-bearing deposits
$82Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,000Trading liabilities
$0Other borrowed funds
$6,515Subordinated debt
$56,547All other liabilities
$56,547Total equity capital
$56,547Total bank equity capital
$0Perpetual preferred stock
$2,000Common stock
$30,188Surplus
$24,359Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,267Income earned, not collected on loans
$0Earning assets
$2,864Long-term assets (5+ years)
$528,205Average Assets, year-to-date
$321,439Average Assets, quarterly
$530,555Volatile liabilities
$561,245Insider loans
$303,707FHLB advances
$564,057Loans and leases held for sale
$7,850Unused loan commitments
$7,850Tier 1 (core) risk-based capital
$46,187Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25,579Restructured Loans and leases
$3,328Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$21,082Total interest income
$2,760Total interest expense
$18,322Net interest income
$1,400Provision for loan and lease losses
$4,877Total noninterest income
$495Fiduciary activities
$2,189Service charges on deposit accounts
$0Trading account gains & fees
$2,193Additional noninterest income
$16,982Total noninterest expense
$9,758Salaries and employee benefits
$2,394Premises and equipment expense
$4,830Additional noninterest expense
$4,817Pre-tax net operating income
$153Securities gains (losses)
$0Applicable income taxes
$4,970Income before extraordinary items
$0Extraordinary gains - net
$4,970Net income attributable to bank
$0Net charge-offs
$4,970Cash dividends
$1,540Sale, conversion, retirement of capital stock, net
$1,134Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.35%Yield on earning assets
0.57%Cost of funding earning assets
3.78%Net interest margin
1.01%Noninterest income to earning assets
3.51%Noninterest expense to earning assets
0.91%Net operating income to assets
0.94%Return on assets (ROA)
0.94%Pretax return on assets
10.08%Return on equity (ROE)
7.78%Retained earnings to average equity (YTD only)
0.63%Net charge-offs to loans
90.91%Credit loss provision to net charge-offs
4.04%Efficiency ratio
72,607Assets per employee
4.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
22.82%Loss allowance to loans
1.38%Loss allowance to noncurrent loans
65.24%Noncurrent assets plus other real estate owned to assets
1.30%Noncurrent loans to loans
2.11%Net loans and leases to deposits
48.87%Net loans and leases to core deposits
52.53%Equity capital to assets
9.81%Core capital (leverage) ratio
8.19%Tier 1 risk-based capital ratio
15.21%Total risk-based capital ratio
Memoranda
$16Average assets
$530,555Average earning assets
$49,323Average equity
$484,375Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$72,290Managed Assets
1Number of Accounts
$45,397Personal trust and agency accounts
$21,209Employee benefit-defined contribution accounts
$4,852Employee benefit-defined benefit accounts
$8,023Other retirement accounts
$1,901Corporate trust and agency accounts
$0Investment management agency accounts
$9,412Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
139Number of Accounts
$0Personal trust and agency accounts
$1,901Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$26,893Other retirement accounts
$0Corporate trust and agency accounts
$10,177Other fiduciary accounts
$117Fiduciary accounts held in foreign offices

List of branches

11 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9810	First State Bank	801 East California Street, Gainesville, TX 76240	August 16, 1905	Full Service Brick and Mortar
1	16987	North Texas Branch	808 East Highway 82, Gainesville, TX 76240	April 18, 1983	Full Service Brick and Mortar
2	234449	Lake Kiowa Branch	6586 Fm 902, Gainesville, TX 76240	March 26, 1998	Full Service Brick and Mortar
3	361737	Valley View Branch	101 S Frontage Rd, Valley View, TX 76272	September 05, 2001	Full Service Brick and Mortar
4	365329	Denton Mobile Branch	Various Assisted Living Facilities, Denton, TX 76201	September 25, 2002	Limited Service Mobile
6	418501	Denton Branch	400 W Oak Street, Denton, TX 76201	March 03, 2003	Full Service Brick and Mortar
7	207768	Muenster Branch	519 East Division, Muenster, TX 76252	September 17, 1997	Full Service Brick and Mortar
8	474326	Saint Jo Branch	108 E. Howell Street, Saint Jo, TX 76265	May 07, 2008	Full Service Brick and Mortar
9	492755	Www.F-S-b.com Branch	801 East California Street, Gainesville, TX 76240	March 30, 2009	Full Service Cyber
10	512929	Rayzor Ranch Branch	2430 W University Drive, Denton, TX 76207	September 09, 2010	Full Service Brick and Mortar
11	527546	Teasley Lane Branch	3190 Teasley Lane, Denton, TX 76210	October 12, 2011	Full Service Brick and Mortar

First State Bank in Gainesville, 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, 2011)

List of branches

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

First State Bank in Gainesville, 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, 2011)

List of branches

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

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