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

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

First Texas Bank - Overview

General
FDIC Certificate #: 3293
Status: Active
Federal Reserve ID: 875758
Bank Holding Company (Regulatory Top Holder): First Texas Bancorp, Inc. (RSSDID: 1100813, Location: Georgetown, TX)
Date Established: October 02, 1884
WWW: http://www.firsttexbank.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 #: 2131
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: 501 East Third Street, Lampasas, TX 76550
County: Lampasas
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
Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $122.8 mil
Equity capital: $14.2 mil
Deposits held in domestic offices: $107.0 mil
Return on assets (ROA): 0.82% ($1.0 mil)
Quarterly return on assets: 0.85% ($1.0 mil)
Return on Equity (ROE): 6.67% ($0.9 mil)
Quarterly return on equity: 7.19% ($1.0 mil)
Net income: $0.9 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.20% ($1,473.3 mil)
Quarterly Pretax return on assets: 1.22% ($1,497.9 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)
$122,779Total assets
$3,084Cash and due from depository institutions
$758Interest-bearing balances
$66,512Securities
$19,675Federal funds sold & reverse repurchase agreements
$27,922Net loans & leases
$193Loan loss allowance
$0Trading account assets
$470Bank premises and fixed assets
$497Other real estate owned
$0Goodwill and other intangibles
$122,779Life insurance assets
$4,619All other assets
$108,583Total liabilities and capital
$106,955Total liabilities
$78,063Total deposits
$106,955Interest-bearing deposits
$74Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,628Subordinated debt
$14,196All other liabilities
$14,196Total equity capital
$14,196Total bank equity capital
$0Perpetual preferred stock
$2,000Common stock
$7,000Surplus
$5,196Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$189Income earned, not collected on loans
$0Earning assets
$704Long-term assets (5+ years)
$114,867Average Assets, year-to-date
$1,862Average Assets, quarterly
$114,234Volatile liabilities
$119,995Insider loans
$48,352FHLB advances
$121,091Loans and leases held for sale
$3,185Unused loan commitments
$3,185Tier 1 (core) risk-based capital
$13,996Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,198Restructured Loans and leases
$1,013Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,870Total interest income
$224Total interest expense
$3,646Net interest income
$45Provision for loan and lease losses
$640Total noninterest income
$0Fiduciary activities
$300Service charges on deposit accounts
$0Trading account gains & fees
$340Additional noninterest income
$2,874Total noninterest expense
$1,694Salaries and employee benefits
$217Premises and equipment expense
$963Additional noninterest expense
$1,367Pre-tax net operating income
$0Securities gains (losses)
$425Applicable income taxes
$942Income before extraordinary items
$0Extraordinary gains - net
$942Net income attributable to bank
$0Net charge-offs
$942Cash dividends
$137Sale, conversion, retirement of capital stock, net
$750Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.64%Yield on earning assets
0.21%Cost of funding earning assets
3.43%Net interest margin
0.60%Noninterest income to earning assets
2.71%Noninterest expense to earning assets
0.82%Net operating income to assets
0.82%Return on assets (ROA)
1.20%Pretax return on assets
6.67%Return on equity (ROE)
1.36%Retained earnings to average equity (YTD only)
0.47%Net charge-offs to loans
32.85%Credit loss provision to net charge-offs
10.31%Efficiency ratio
67,056Assets per employee
3.96%Cash dividends to net income (YTD only)
Condition Ratios (%)
79.62%Loss allowance to loans
0.69%Loss allowance to noncurrent loans
102.12%Noncurrent assets plus other real estate owned to assets
0.56%Noncurrent loans to loans
0.67%Net loans and leases to deposits
26.11%Net loans and leases to core deposits
27.28%Equity capital to assets
11.56%Core capital (leverage) ratio
11.56%Tier 1 risk-based capital ratio
28.95%Total risk-based capital ratio
Memoranda
$29Average assets
$114,234Average earning assets
$14,117Average equity
$106,233Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	2131	First Texas Bank	501 East Third Street, Lampasas, TX 76550	October 02, 1884	Full Service Brick and Mortar
2	196325	Key Avenue Branch	100 North Key Avenue, Lampasas, TX 76550	December 24, 1991	Limited Service Facility

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