Hull State Bank in Hull, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Hull State Bank in Hull, Texas (TX)
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Hull State Bank routing number info

Hull State Bank - Overview

  • General
  • FDIC Certificate #: 11141
    Status: Active
    Federal Reserve ID: 914956
    Date Established: May 10, 1919
    WWW: http://www.hullstate.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)
    OTS Docket #: 12516
    FDIC's unique #: 7110
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: September 23, 2010
    Last Data Update: September 23, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Walnut Ln, Hull, TX 77564
    County: Liberty
    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
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $49.6 mil
    Equity capital: $4.9 mil
    Deposits held in domestic offices: $44.5 mil
    Return on assets (ROA): 0.31% ($0.2 mil)
    Quarterly return on assets: 0.13% ($0.1 mil)
    Return on Equity (ROE): 3.12% ($0.2 mil)
    Quarterly return on equity: 1.30% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.42% ($208.2 mil)
    Quarterly Pretax return on assets: 0.15% ($74.4 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
  • 17Total employees (full-time equivalent)
  • $49,576Total assets
  • $14,471Cash and due from depository institutions
  • $3,006Interest-bearing balances
  • $8,350Securities
  • $5,110Federal funds sold & reverse repurchase agreements
  • $19,995Net loans & leases
  • $114Loan loss allowance
  • $0Trading account assets
  • $1,024Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $49,576Life insurance assets
  • $626All other assets
  • $44,666Total liabilities and capital
  • $44,490Total liabilities
  • $29,993Total deposits
  • $44,490Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $176Subordinated debt
  • $4,910All other liabilities
  • $4,910Total equity capital
  • $4,910Total bank equity capital
  • $0Perpetual preferred stock
  • $891Common stock
  • $3,123Surplus
  • $896Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $322Income earned, not collected on loans
  • $0Earning assets
  • $299Long-term assets (5+ years)
  • $36,461Average Assets, year-to-date
  • $6,209Average Assets, quarterly
  • $48,382Volatile liabilities
  • $49,002Insider loans
  • $36,318FHLB advances
  • $49,422Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,815Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,034Restructured Loans and leases
  • $270Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,020Total interest income
  • $175Total interest expense
  • $1,845Net interest income
  • $16Provision for loan and lease losses
  • $426Total noninterest income
  • $0Fiduciary activities
  • $313Service charges on deposit accounts
  • $0Trading account gains & fees
  • $113Additional noninterest income
  • $2,051Total noninterest expense
  • $1,097Salaries and employee benefits
  • $321Premises and equipment expense
  • $633Additional noninterest expense
  • $204Pre-tax net operating income
  • $0Securities gains (losses)
  • $52Applicable income taxes
  • $152Income before extraordinary items
  • $0Extraordinary gains - net
  • $152Net income attributable to bank
  • $0Net charge-offs
  • $152Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 4.71%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 5.24%Noninterest expense to earning assets
  • 0.31%Net operating income to assets
  • 0.31%Return on assets (ROA)
  • 0.42%Pretax return on assets
  • 3.12%Return on equity (ROE)
  • 3.12%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 320.00%Credit loss provision to net charge-offs
  • 44.00%Efficiency ratio
  • 90,313Assets per employee
  • 2.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.57%Loss allowance to noncurrent loans
  • 35.40%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 1.60%Net loans and leases to deposits
  • 44.94%Net loans and leases to core deposits
  • 46.79%Equity capital to assets
  • 9.90%Core capital (leverage) ratio
  • 9.74%Tier 1 risk-based capital ratio
  • 13.26%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $48,382Average earning assets
  • $4,866Average equity
  • $39,174Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    07110Hull State Bank100 Walnut Ln, Hull, TX 77564May 10, 1919Full Service Brick and Mortar
    135868Liberty Branch2103 North Main Street, Liberty, TX 77575August 01, 1986Full Service Brick and Mortar

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