FDIC Certificate #: 19641 Status: Active Federal Reserve ID: 1427770 Bank Holding Company (Regulatory Top Holder): South Taylor County Bancshares, Inc. (RSSDID: 1108417, Location: Tuscola, TX) Date Established: October 17, 1966 WWW:http://www.fsbtuscola.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 13440 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: October 17, 1966 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: 405 Main Street, Tuscola, TX 79562 County: Taylor 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): Abilene, TX (#40) Core Based Statistical Area (CBSA): Abilene, TX (#10180) CBSA Metro Statistical Area: Abilene, TX (#10180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $21.2 mil Equity capital: $2.1 mil Deposits held in domestic offices: $19.0 mil Return on assets (ROA): 0.50% ($0.1 mil) Quarterly return on assets: 0.71% ($0.1 mil) Return on Equity (ROE): 5.26% ($0.1 mil) Quarterly return on equity: 7.60% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.50% ($106.0 mil) Quarterly Pretax return on assets: 0.71% ($150.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$21,201Total assets
$9,320Cash and due from depository institutions
$9,020Interest-bearing balances
$4,607Securities
$0Federal funds sold & reverse repurchase agreements
$6,708Net loans & leases
$74Loan loss allowance
$0Trading account assets
$115Bank premises and fixed assets
$248Other real estate owned
$0Goodwill and other intangibles
$21,201Life insurance assets
$203All other assets
$19,134Total liabilities and capital
$19,033Total liabilities
$13,157Total deposits
$19,033Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$101Subordinated debt
$2,067All other liabilities
$2,067Total equity capital
$2,067Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,100Surplus
$767Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$45Income earned, not collected on loans
$0Earning assets
$99Long-term assets (5+ years)
$20,335Average Assets, year-to-date
$5,772Average Assets, quarterly
$21,026Volatile liabilities
$22,122Insider loans
$9,894FHLB advances
$22,963Loans and leases held for sale
$57Unused loan commitments
$57Tier 1 (core) risk-based capital
$1,911Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$609Restructured Loans and leases
$73Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$715Total interest income
$75Total interest expense
$640Net interest income
$2Provision for loan and lease losses
$182Total noninterest income
$0Fiduciary activities
$134Service charges on deposit accounts
$0Trading account gains & fees
$48Additional noninterest income
$729Total noninterest expense
$398Salaries and employee benefits
$40Premises and equipment expense
$291Additional noninterest expense
$91Pre-tax net operating income
$15Securities gains (losses)
$0Applicable income taxes
$106Income before extraordinary items
$0Extraordinary gains - net
$106Net income attributable to bank
$0Net charge-offs
$106Cash dividends
-$8Sale, conversion, retirement of capital stock, net
$110Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.86%Yield on earning assets
0.41%Cost of funding earning assets
3.46%Net interest margin
0.98%Noninterest income to earning assets
3.94%Noninterest expense to earning assets
0.43%Net operating income to assets
0.50%Return on assets (ROA)
0.50%Pretax return on assets
5.26%Return on equity (ROE)
-0.20%Retained earnings to average equity (YTD only)
-0.12%Net charge-offs to loans
-25.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
88,686Assets per employee
3.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
103.77%Loss allowance to loans
1.09%Loss allowance to noncurrent loans
164.44%Noncurrent assets plus other real estate owned to assets
1.38%Noncurrent loans to loans
0.66%Net loans and leases to deposits
35.24%Net loans and leases to core deposits
35.24%Equity capital to assets
9.75%Core capital (leverage) ratio
8.32%Tier 1 risk-based capital ratio
19.31%Total risk-based capital ratio
Memoranda
$20Average assets
$21,026Average earning assets
$2,013Average equity
$18,505Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
13440
First State Bank In Tuscola
405 Main Street, Tuscola, TX 79562
October 17, 1966
Full Service Brick and Mortar
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