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

This bank is inactive as of July 15, 1993

  • Kyle State Bank in Kyle, Texas (TX)
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Kyle State Bank - Overview

  • General
  • FDIC Certificate #: 11147
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Bank of the West (#27464)
    Federal Reserve ID: 874153
    Date Established: March 18, 1932
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 7115
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 15, 1993
    Last Structure Change Process Date: August 04, 1993
    Last Data Update: August 04, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: N.E. Lockhart And Front Street, Kyle, TX 78640
    County: Hays
    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): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • Financial Summary
  • Total assets: $17.0 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $12Total assets
  • $17,722Cash and due from depository institutions
  • $1,384Interest-bearing balances
  • $500Securities
  • $8,357Federal funds sold & reverse repurchase agreements
  • $5,225Net loans & leases
  • $2,146Loan loss allowance
  • $67Trading account assets
  • $0Bank premises and fixed assets
  • $269Other real estate owned
  • $226Goodwill and other intangibles
  • $115Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $17,722Total liabilities
  • $14,981Total deposits
  • $14,944Interest-bearing deposits
  • $12,191Deposits held in domestic offices
  • 14944.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $37Total equity capital
  • $37Total bank equity capital
  • $2,741Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $800Undivided profits
  • Memoranda
  • $1,741Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $299Income earned, not collected on loans
  • $13Earning assets
  • $16,228Long-term assets (5+ years)
  • $2,888Average Assets, year-to-date
  • $16,521Average Assets, quarterly
  • $17,075Volatile liabilities
  • $400Insider loans
  • $55FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,741Total risk weighted assets
  • $4,730Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $900Total interest expense
  • $398Net interest income
  • $502Provision for loan and lease losses
  • -$119Total noninterest income
  • $262Fiduciary activities
  • $0Service charges on deposit accounts
  • $174Trading account gains & fees
  • $0Additional noninterest income
  • $88Total noninterest expense
  • $666Salaries and employee benefits
  • $296Premises and equipment expense
  • $75Additional noninterest expense
  • $295Pre-tax net operating income
  • $217Securities gains (losses)
  • -$4Applicable income taxes
  • $23Income before extraordinary items
  • $190Extraordinary gains - net
  • $0Net income attributable to bank
  • $190Net charge-offs
  • -$123Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.13%Cost of funding earning assets
  • 2.71%Net interest margin
  • 3.42%Noninterest income to earning assets
  • 1.79%Noninterest expense to earning assets
  • 4.54%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 1.29%Return on equity (ROE)
  • 7.09%Retained earnings to average equity (YTD only)
  • 7.09%Net charge-offs to loans
  • -5.50%Credit loss provision to net charge-offs
  • 96.75%Efficiency ratio
  • 87,173Assets per employee
  • 1.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.03%Loss allowance to noncurrent loans
  • 22.41%Noncurrent assets plus other real estate owned to assets
  • 2.96%Noncurrent loans to loans
  • 13.51%Net loans and leases to deposits
  • 14.36%Net loans and leases to core deposits
  • 14.76%Equity capital to assets
  • 15.47%Core capital (leverage) ratio
  • 15.92%Tier 1 risk-based capital ratio
  • 57.95%Total risk-based capital ratio
  • Memoranda
  • $59Average assets
  • $16,521Average earning assets
  • $2,680Average equity
  • $14,676Average loans

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