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

First Texas Bank in Killeen, Texas (TX)
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First Texas Bank routing number info

First Texas Bank - Overview

General
FDIC Certificate #: 22551
Status: Active
Federal Reserve ID: 688257
Bank Holding Company (Regulatory Top Holder): First Texas Bancorp, Inc. (RSSDID: 1100813, Location: Georgetown, TX)
Date Established: November 16, 1977
WWW: http://www.firsttexasbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
FDIC's unique #: 15727
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: November 16, 1977
Last Structure Change Effective Date: August 08, 2009
Last Structure Change Process Date: August 25, 2009
Last Data Update: August 25, 2009
Data Source Date: April 05, 2012
Location
Address: Church And Gray Streets, Killeen, TX 76541
County: Bell
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Austin
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Killeen-Temple, TX (#3810)
Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $236.8 mil
Equity capital: $29.0 mil
Deposits held in domestic offices: $206.0 mil
Return on assets (ROA): 0.83% ($2.0 mil)
Quarterly return on assets: 0.70% ($1.7 mil)
Return on Equity (ROE): 6.85% ($2.0 mil)
Quarterly return on equity: 5.86% ($1.7 mil)
Net income: $2.0 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.21% ($2,865.4 mil)
Quarterly Pretax return on assets: 1.01% ($2,391.8 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
82Total employees (full-time equivalent)
$236,808Total assets
$11,258Cash and due from depository institutions
$224Interest-bearing balances
$116,980Securities
$23,725Federal funds sold & reverse repurchase agreements
$70,385Net loans & leases
$539Loan loss allowance
$0Trading account assets
$3,968Bank premises and fixed assets
$1,539Other real estate owned
$0Goodwill and other intangibles
$236,808Life insurance assets
$8,953All other assets
$207,808Total liabilities and capital
$205,980Total liabilities
$124,313Total deposits
$205,980Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,828Subordinated debt
$29,000All other liabilities
$29,000Total equity capital
$29,000Total bank equity capital
$0Perpetual preferred stock
$800Common stock
$17,950Surplus
$10,250Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,819Income earned, not collected on loans
$0Earning assets
$911Long-term assets (5+ years)
$211,314Average Assets, year-to-date
$9,456Average Assets, quarterly
$238,713Volatile liabilities
$243,381Insider loans
$109,361FHLB advances
$239,798Loans and leases held for sale
$6,838Unused loan commitments
$6,838Tier 1 (core) risk-based capital
$28,718Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,518Restructured Loans and leases
$1,334Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,195Total interest income
$384Total interest expense
$7,811Net interest income
-$247Provision for loan and lease losses
$2,194Total noninterest income
$0Fiduciary activities
$918Service charges on deposit accounts
$0Trading account gains & fees
$1,276Additional noninterest income
$7,354Total noninterest expense
$3,811Salaries and employee benefits
$1,023Premises and equipment expense
$2,520Additional noninterest expense
$2,898Pre-tax net operating income
$0Securities gains (losses)
$915Applicable income taxes
$1,983Income before extraordinary items
$0Extraordinary gains - net
$1,983Net income attributable to bank
$0Net charge-offs
$1,983Cash dividends
$58Sale, conversion, retirement of capital stock, net
$1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.89%Yield on earning assets
0.18%Cost of funding earning assets
3.71%Net interest margin
1.04%Noninterest income to earning assets
3.49%Noninterest expense to earning assets
0.83%Net operating income to assets
0.83%Return on assets (ROA)
1.21%Pretax return on assets
6.85%Return on equity (ROE)
1.67%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
-425.86%Credit loss provision to net charge-offs
45.71%Efficiency ratio
73,503Assets per employee
2.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.64%Loss allowance to loans
0.76%Loss allowance to noncurrent loans
29.63%Noncurrent assets plus other real estate owned to assets
1.42%Noncurrent loans to loans
2.56%Net loans and leases to deposits
34.17%Net loans and leases to core deposits
34.65%Equity capital to assets
12.25%Core capital (leverage) ratio
11.98%Tier 1 risk-based capital ratio
26.26%Total risk-based capital ratio
Memoranda
$27Average assets
$238,713Average earning assets
$28,961Average equity
$210,689Average loans

List of branches

6 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	15727	First Texas Bank	Church And Gray Streets, Killeen, TX 76541	November 16, 1977	Full Service Brick and Mortar
1	12491	East Highway Branch	90 Cove Terrace, Copperas Cove, TX 76522	August 20, 1962	Full Service Brick and Mortar
2	245864	Detached Drive-In Facility	716 North Eighth Street, Killeen, TX 76541	September 10, 1981	Limited Service Facility
3	254871	Walmart Branch	2720 East Us Highway 190, Copperas Cove, TX 76522	October 25, 1995	Full Service Retail
4	254872	Willow Springs Branch	2200 West Central Texas Expressway, Killeen, TX 76542	Febuary 05, 1997	Full Service Brick and Mortar
5	1978	Belton Branch	300 East First Avenue, Belton, TX 76513	October 25, 1933	Full Service Brick and Mortar

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

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

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