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

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

First State Bank - Overview

General
FDIC Certificate #: 9014
Status: Active
Federal Reserve ID: 830168
Bank Holding Company (Regulatory Top Holder): Overton Financial Corporation (RSSDID: 1138423, Location: Overton, TX)
Date Established: January 01, 1912
WWW: http://www.fsboverton.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 #: 5756
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: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
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: 115 East Henderson, Overton, TX 75684
County: Rusk
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): Longview-Marshall, TX (#346)
Core Based Statistical Area (CBSA): Longview, TX (#30980)
CBSA Metro Statistical Area: Longview, TX (#30980)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $42.0 mil
Equity capital: $8.4 mil
Deposits held in domestic offices: $33.3 mil
Return on assets (ROA): 0.32% ($0.1 mil)
Quarterly return on assets: -0.05% (-$0.0 mil)
Return on Equity (ROE): 1.70% ($0.1 mil)
Quarterly return on equity: -0.24% (-$0.0 mil)
Net income: $0.1 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.26% ($109.3 mil)
Quarterly Pretax return on assets: -0.05% (-$21.0 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
17Total employees (full-time equivalent)
$42,031Total assets
$12,507Cash and due from depository institutions
$8,794Interest-bearing balances
$16,111Securities
$0Federal funds sold & reverse repurchase agreements
$12,526Net loans & leases
$183Loan loss allowance
$0Trading account assets
$257Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$42,031Life insurance assets
$630All other assets
$33,633Total liabilities and capital
$33,310Total liabilities
$21,841Total deposits
$33,310Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$323Subordinated debt
$8,398All other liabilities
$8,398Total equity capital
$8,398Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$1,500Surplus
$6,398Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1Income earned, not collected on loans
$0Earning assets
$183Long-term assets (5+ years)
$37,431Average Assets, year-to-date
$9,427Average Assets, quarterly
$44,449Volatile liabilities
$42,896Insider loans
$16,047FHLB advances
$42,361Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,942Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,118Restructured Loans and leases
$198Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,344Total interest income
$133Total interest expense
$1,211Net interest income
$9Provision for loan and lease losses
$242Total noninterest income
$0Fiduciary activities
$148Service charges on deposit accounts
$0Trading account gains & fees
$94Additional noninterest income
$1,329Total noninterest expense
$737Salaries and employee benefits
$168Premises and equipment expense
$424Additional noninterest expense
$115Pre-tax net operating income
$0Securities gains (losses)
-$28Applicable income taxes
$143Income before extraordinary items
$0Extraordinary gains - net
$143Net income attributable to bank
$0Net charge-offs
$143Cash dividends
-$19Sale, conversion, retirement of capital stock, net
$90Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.40%Yield on earning assets
0.34%Cost of funding earning assets
3.06%Net interest margin
0.61%Noninterest income to earning assets
3.36%Noninterest expense to earning assets
0.32%Net operating income to assets
0.32%Return on assets (ROA)
0.26%Pretax return on assets
1.70%Return on equity (ROE)
0.63%Retained earnings to average equity (YTD only)
-0.14%Net charge-offs to loans
-47.37%Credit loss provision to net charge-offs
0.00%Efficiency ratio
91,466Assets per employee
2.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
62.94%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
18300.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.01%Net loans and leases to deposits
37.60%Net loans and leases to core deposits
38.46%Equity capital to assets
19.98%Core capital (leverage) ratio
18.75%Tier 1 risk-based capital ratio
49.49%Total risk-based capital ratio
Memoranda
$51Average assets
$44,449Average earning assets
$8,418Average equity
$39,583Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	5756	First State Bank	115 East Henderson, Overton, TX 75684	January 01, 1912	Full Service Brick and Mortar
1	219302	New London Branch	10680 South Main, New London, TX 75682	November 04, 1987	Full Service Brick and Mortar

First State Bank in Overton, 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

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