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

First State Bank in Bedias, Texas (TX)
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First State Bank routing number info

First State Bank - Overview

General
FDIC Certificate #: 16895
Status: Active
Federal Reserve ID: 88352
Bank Holding Company (Regulatory Top Holder): Bedias Financial Corporation (RSSDID: 3069482, Location: Bedias, TX)
Date Established: August 28, 1907
WWW: http://www.bediasbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 10982
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: March 24, 1950
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: Main And Highway 90, Bedias, TX 77831
County: Grimes
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Houston
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: $143.2 mil
Equity capital: $16.0 mil
Deposits held in domestic offices: $127.0 mil
Return on assets (ROA): 2.21% ($3.2 mil)
Quarterly return on assets: 1.29% ($1.8 mil)
Return on Equity (ROE): 21.14% ($3.4 mil)
Quarterly return on equity: 11.83% ($1.9 mil)
Net income: $3.1 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 2.21% ($3,165.6 mil)
Quarterly Pretax return on assets: 1.29% ($1,847.8 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
20Total employees (full-time equivalent)
$143,238Total assets
$10,611Cash and due from depository institutions
$5,057Interest-bearing balances
$50,703Securities
$0Federal funds sold & reverse repurchase agreements
$76,509Net loans & leases
$1,128Loan loss allowance
$0Trading account assets
$1,075Bank premises and fixed assets
$218Other real estate owned
$0Goodwill and other intangibles
$143,238Life insurance assets
$4,122All other assets
$127,265Total liabilities and capital
$126,966Total liabilities
$108,868Total deposits
$126,966Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$299Subordinated debt
$15,973All other liabilities
$15,973Total equity capital
$15,973Total bank equity capital
$0Perpetual preferred stock
$321Common stock
$3,679Surplus
$11,973Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$735Income earned, not collected on loans
$0Earning assets
$1,347Long-term assets (5+ years)
$132,269Average Assets, year-to-date
$32,375Average Assets, quarterly
$138,152Volatile liabilities
$144,507Insider loans
$89,471FHLB advances
$143,999Loans and leases held for sale
$2,511Unused loan commitments
$1,592Tier 1 (core) risk-based capital
$14,108Tier 2 risk-based capital
$919Total risk weighted assets
$0Total unused commitments
$4,429Restructured Loans and leases
$360Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,692Total interest income
$1,311Total interest expense
$5,381Net interest income
$570Provision for loan and lease losses
$653Total noninterest income
$0Fiduciary activities
$480Service charges on deposit accounts
$0Trading account gains & fees
$173Additional noninterest income
$2,530Total noninterest expense
$1,144Salaries and employee benefits
$380Premises and equipment expense
$1,006Additional noninterest expense
$2,934Pre-tax net operating income
$118Securities gains (losses)
$0Applicable income taxes
$3,052Income before extraordinary items
$0Extraordinary gains - net
$3,052Net income attributable to bank
$0Net charge-offs
$3,052Cash dividends
$665Sale, conversion, retirement of capital stock, net
$1,189Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.27%Yield on earning assets
1.03%Cost of funding earning assets
4.23%Net interest margin
0.51%Noninterest income to earning assets
1.99%Noninterest expense to earning assets
2.12%Net operating income to assets
2.21%Return on assets (ROA)
2.21%Pretax return on assets
21.14%Return on equity (ROE)
12.90%Retained earnings to average equity (YTD only)
0.84%Net charge-offs to loans
85.71%Credit loss provision to net charge-offs
5.27%Efficiency ratio
41,929Assets per employee
7.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.96%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
153.47%Noncurrent assets plus other real estate owned to assets
0.67%Noncurrent loans to loans
0.95%Net loans and leases to deposits
60.26%Net loans and leases to core deposits
64.84%Equity capital to assets
11.15%Core capital (leverage) ratio
9.80%Tier 1 risk-based capital ratio
15.77%Total risk-based capital ratio
Memoranda
$17Average assets
$138,152Average earning assets
$14,439Average equity
$127,065Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	10982	First State Bank	Main And Highway 90, Bedias, TX 77831	August 28, 1907	Full Service Brick and Mortar
1	469634	Kurten Branch	12500 E. Highway 21, Bryan, TX 77808	April 19, 2007	Full Service Brick and Mortar

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