FDIC Certificate #: 29241 Status: Active Federal Reserve ID: 849076 Date Established: November 01, 1934 WWW:http://www.hendersonfederal.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 3155 FDIC's unique #: 42075 Numeric code: 38 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: December 13, 1934 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 130 North Marshall Street, Henderson, TX 75652 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
Change in Primary Regulatory Agency
Financial Summary
Total assets: $108.5 mil Equity capital: $16.5 mil Deposits held in domestic offices: $85.8 mil Return on assets (ROA): 1.10% ($1.2 mil) Quarterly return on assets: 1.12% ($1.2 mil) Return on Equity (ROE): 7.24% ($1.2 mil) Quarterly return on equity: 7.31% ($1.2 mil) Net income: $1.2 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.67% ($1,812.2 mil) Quarterly Pretax return on assets: 1.69% ($1,833.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
23Total employees (full-time equivalent)
$108,515Total assets
$7,480Cash and due from depository institutions
$7,209Interest-bearing balances
$19,710Securities
$0Federal funds sold & reverse repurchase agreements
$78,465Net loans & leases
$889Loan loss allowance
$0Trading account assets
$1,298Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$108,515Life insurance assets
$1,562All other assets
$92,015Total liabilities and capital
$85,770Total liabilities
$82,159Total deposits
$85,770Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,545Trading liabilities
$0Other borrowed funds
$700Subordinated debt
$16,500All other liabilities
$16,500Total equity capital
$16,500Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$16,500Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,055Income earned, not collected on loans
$0Earning assets
$446Long-term assets (5+ years)
$105,384Average Assets, year-to-date
$0Average Assets, quarterly
$104,790Volatile liabilities
$107,176Insider loans
$54,805FHLB advances
$108,045Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,248Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,818Restructured Loans and leases
$309Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,703Total interest income
$1,416Total interest expense
$4,287Net interest income
$400Provision for loan and lease losses
$124Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$124Additional noninterest income
$2,260Total noninterest expense
$1,468Salaries and employee benefits
$356Premises and equipment expense
$436Additional noninterest expense
$1,751Pre-tax net operating income
$0Securities gains (losses)
$598Applicable income taxes
$1,153Income before extraordinary items
$0Extraordinary gains - net
$1,153Net income attributable to bank
$0Net charge-offs
$1,153Cash dividends
$91Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.61%Yield on earning assets
1.39%Cost of funding earning assets
4.22%Net interest margin
0.12%Noninterest income to earning assets
2.22%Noninterest expense to earning assets
1.10%Net operating income to assets
1.10%Return on assets (ROA)
1.67%Pretax return on assets
7.24%Return on equity (ROE)
7.24%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
439.56%Credit loss provision to net charge-offs
23.64%Efficiency ratio
51,236Assets per employee
4.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
43.26%Noncurrent assets plus other real estate owned to assets
1.89%Noncurrent loans to loans
2.59%Net loans and leases to deposits
91.48%Net loans and leases to core deposits
97.88%Equity capital to assets
15.21%Core capital (leverage) ratio
15.04%Tier 1 risk-based capital ratio
29.65%Total risk-based capital ratio
Memoranda
$31Average assets
$104,790Average earning assets
$15,926Average equity
$101,647Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42075
Henderson Federal Savings Bank
130 North Marshall Street, Henderson, TX 75652
November 01, 1934
Full Service Brick and Mortar
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