Greater South Texas Bank in Falfurrias, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Greater South Texas Bank in Falfurrias, Texas (TX)
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Greater South Texas Bank routing number info

Greater South Texas Bank - Overview

  • General
  • FDIC Certificate #: 31762
    Status: Active
    Federal Reserve ID: 518877
    Date Established: January 01, 1974
    WWW: http://www.gstbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 7433
    FDIC's unique #: 44596
    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: Commercial Lending Specialization
    Date of Deposit Insurance: July 18, 1975
    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: 131 East Rice Street, Falfurrias, TX 78355
    County: Brooks
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    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: $51.5 mil
    Equity capital: $5.3 mil
    Deposits held in domestic offices: $45.5 mil
    Return on assets (ROA): 0.04% ($0.0 mil)
    Quarterly return on assets: 0.41% ($0.2 mil)
    Return on Equity (ROE): 0.41% ($0.0 mil)
    Quarterly return on equity: 4.10% ($0.2 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.04% ($20.6 mil)
    Quarterly Pretax return on assets: 0.41% ($211.2 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
  • 21Total employees (full-time equivalent)
  • $51,520Total assets
  • $2,864Cash and due from depository institutions
  • $1,720Interest-bearing balances
  • $9,797Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $33,448Net loans & leases
  • $420Loan loss allowance
  • $0Trading account assets
  • $4,023Bank premises and fixed assets
  • $878Other real estate owned
  • $0Goodwill and other intangibles
  • $51,520Life insurance assets
  • $510All other assets
  • $46,245Total liabilities and capital
  • $45,512Total liabilities
  • $41,890Total deposits
  • $45,512Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $678Trading liabilities
  • $0Other borrowed funds
  • $55Subordinated debt
  • $5,275All other liabilities
  • $5,275Total equity capital
  • $5,275Total bank equity capital
  • $525Perpetual preferred stock
  • $2,593Common stock
  • $2,718Surplus
  • $-561Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $622Income earned, not collected on loans
  • $0Earning assets
  • $171Long-term assets (5+ years)
  • $44,965Average Assets, year-to-date
  • $12,584Average Assets, quarterly
  • $53,052Volatile liabilities
  • $53,128Insider loans
  • $35,718FHLB advances
  • $52,832Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,266Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,656Restructured Loans and leases
  • $840Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,622Total interest income
  • $651Total interest expense
  • $1,971Net interest income
  • $55Provision for loan and lease losses
  • $273Total noninterest income
  • $0Fiduciary activities
  • $204Service charges on deposit accounts
  • $0Trading account gains & fees
  • $69Additional noninterest income
  • $2,338Total noninterest expense
  • $1,039Salaries and employee benefits
  • $414Premises and equipment expense
  • $885Additional noninterest expense
  • -$149Pre-tax net operating income
  • $170Securities gains (losses)
  • $0Applicable income taxes
  • $21Income before extraordinary items
  • $0Extraordinary gains - net
  • $21Net income attributable to bank
  • $0Net charge-offs
  • $21Cash dividends
  • $82Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.88%Yield on earning assets
  • 1.46%Cost of funding earning assets
  • 4.42%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 5.24%Noninterest expense to earning assets
  • -0.28%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • 0.04%Pretax return on assets
  • 0.41%Return on equity (ROE)
  • 0.41%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 67.07%Credit loss provision to net charge-offs
  • -1.15%Efficiency ratio
  • 104,189Assets per employee
  • 2.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 67.52%Noncurrent assets plus other real estate owned to assets
  • 2.91%Noncurrent loans to loans
  • 1.84%Net loans and leases to deposits
  • 73.49%Net loans and leases to core deposits
  • 77.32%Equity capital to assets
  • 10.24%Core capital (leverage) ratio
  • 9.97%Tier 1 risk-based capital ratio
  • 14.74%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $53,052Average earning assets
  • $5,117Average equity
  • $44,588Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    044596Greater South Texas Bank131 East Rice Street, Falfurrias, TX 78355January 01, 1974Full Service Brick and Mortar
    100285860412 N Smith Branch412 N Smith, Hebbronville, TX 78361January 01, 1974Full Service Brick and Mortar
    102520567Mcallen Branch3300 North 10th Street Branch, Mcallen, TX 78501January 03, 2001Full Service Brick and Mortar

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