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

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

First State Bank - Overview

General
FDIC Certificate #: 24498
Status: Active
Federal Reserve ID: 216164
Bank Holding Company (Regulatory Top Holder): Woodson Bancshares, Inc. (RSSDID: 1133044, Location: Graham, TX)
Date Established: May 26, 1983
WWW: http://www.fsbgraham.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 17025
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: May 26, 1983
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: 1526 Fourth Street, Graham, TX 76450
County: Young
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $141.0 mil
Equity capital: $11.2 mil
Deposits held in domestic offices: $119.3 mil
Return on assets (ROA): 1.13% ($1.6 mil)
Quarterly return on assets: 1.14% ($1.6 mil)
Return on Equity (ROE): 13.73% ($1.5 mil)
Quarterly return on equity: 14.34% ($1.6 mil)
Net income: $1.5 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.13% ($1,592.9 mil)
Quarterly Pretax return on assets: 1.14% ($1,607.0 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
31Total employees (full-time equivalent)
$140,968Total assets
$66,609Cash and due from depository institutions
$55,720Interest-bearing balances
$2,000Securities
$0Federal funds sold & reverse repurchase agreements
$67,340Net loans & leases
$761Loan loss allowance
$0Trading account assets
$921Bank premises and fixed assets
$242Other real estate owned
$0Goodwill and other intangibles
$140,968Life insurance assets
$3,856All other assets
$129,791Total liabilities and capital
$119,331Total liabilities
$77,994Total deposits
$119,331Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$9,827Trading liabilities
$0Other borrowed funds
$633Subordinated debt
$11,177All other liabilities
$11,177Total equity capital
$11,177Total bank equity capital
$0Perpetual preferred stock
$413Common stock
$5,587Surplus
$5,177Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$13Income earned, not collected on loans
$0Earning assets
$367Long-term assets (5+ years)
$125,060Average Assets, year-to-date
$14,573Average Assets, quarterly
$130,997Volatile liabilities
$138,089Insider loans
$76,422FHLB advances
$136,188Loans and leases held for sale
$2,426Unused loan commitments
$2,426Tier 1 (core) risk-based capital
$11,177Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,685Restructured Loans and leases
$244Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,196Total interest income
$1,191Total interest expense
$4,005Net interest income
$100Provision for loan and lease losses
$828Total noninterest income
$0Fiduciary activities
$522Service charges on deposit accounts
$0Trading account gains & fees
$306Additional noninterest income
$3,259Total noninterest expense
$1,777Salaries and employee benefits
$422Premises and equipment expense
$1,060Additional noninterest expense
$1,474Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,474Income before extraordinary items
$0Extraordinary gains - net
$1,474Net income attributable to bank
$0Net charge-offs
$1,474Cash dividends
$11Sale, conversion, retirement of capital stock, net
$1,484Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.38%Yield on earning assets
1.00%Cost of funding earning assets
3.37%Net interest margin
0.70%Noninterest income to earning assets
2.74%Noninterest expense to earning assets
1.13%Net operating income to assets
1.13%Return on assets (ROA)
1.13%Pretax return on assets
13.73%Return on equity (ROE)
-0.09%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
909.09%Credit loss provision to net charge-offs
143.09%Efficiency ratio
67,432Assets per employee
4.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
100.68%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
5853.85%Noncurrent assets plus other real estate owned to assets
0.18%Noncurrent loans to loans
0.02%Net loans and leases to deposits
56.43%Net loans and leases to core deposits
67.72%Equity capital to assets
7.93%Core capital (leverage) ratio
8.21%Tier 1 risk-based capital ratio
14.63%Total risk-based capital ratio
Memoranda
$16Average assets
$130,997Average earning assets
$10,732Average equity
$118,750Average loans

List of branches

4 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	17025	First State Bank	1526 Fourth Street, Graham, TX 76450	May 26, 1983	Full Service Brick and Mortar
1	257443	Throckmorton Branch	147 Minter Avenue, Throckmorton, TX 76483	September 10, 1990	Full Service Brick and Mortar
2	257444	Highway 183 Branch	101 Ushwy 183 South, Woodson, TX 76491	May 06, 1991	Full Service Brick and Mortar
3	359305	Possum Kingdom Branch	19505 Fam 1148, Graham, TX 76450	December 04, 2000	Full Service Brick and Mortar

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