FDIC Certificate #: 15355 Status: Active Federal Reserve ID: 484057 Bank Holding Company (Regulatory Top Holder): Marion Bancshares, Inc. (RSSDID: 3828250, Location: Marion, TX) Date Established: January 01, 1906 WWW:http://www.marionstbanktx.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9684 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: Yes Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: Febuary 11, 1936 Last Structure Change Effective Date: October 04, 2007 Last Structure Change Process Date: October 04, 2007 Last Data Update: October 04, 2007 Data Source Date: April 05, 2012
Location
Address: 301 West San Antonio Street, Marion, TX 78124 County: Guadalupe 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): San Antonio, TX (#7240) Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700) CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
History of Changes
Change in Location
Financial Summary
Total assets: $71.1 mil Equity capital: $10.7 mil Deposits held in domestic offices: $60.4 mil Return on assets (ROA): 1.88% ($1.3 mil) Quarterly return on assets: 1.79% ($1.3 mil) Return on Equity (ROE): 12.72% ($1.4 mil) Quarterly return on equity: 11.73% ($1.3 mil) Net income: $1.2 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.91% ($1,357.5 mil) Quarterly Pretax return on assets: 1.93% ($1,371.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$71,075Total assets
$4,909Cash and due from depository institutions
$3,055Interest-bearing balances
$45,527Securities
$0Federal funds sold & reverse repurchase agreements
$19,553Net loans & leases
$188Loan loss allowance
$0Trading account assets
$433Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$71,075Life insurance assets
$653All other assets
$60,404Total liabilities and capital
$60,375Total liabilities
$48,773Total deposits
$60,375Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$29Subordinated debt
$10,671All other liabilities
$10,671Total equity capital
$10,671Total bank equity capital
$0Perpetual preferred stock
$720Common stock
$1,680Surplus
$8,271Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$43Income earned, not collected on loans
$0Earning assets
$527Long-term assets (5+ years)
$68,135Average Assets, year-to-date
$44,486Average Assets, quarterly
$65,965Volatile liabilities
$69,014Insider loans
$33,415FHLB advances
$69,216Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,271Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,632Restructured Loans and leases
$170Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,653Total interest income
$369Total interest expense
$2,284Net interest income
$26Provision for loan and lease losses
$301Total noninterest income
$0Fiduciary activities
$257Service charges on deposit accounts
$0Trading account gains & fees
$44Additional noninterest income
$1,500Total noninterest expense
$728Salaries and employee benefits
$140Premises and equipment expense
$632Additional noninterest expense
$1,059Pre-tax net operating income
$203Securities gains (losses)
$24Applicable income taxes
$1,238Income before extraordinary items
$0Extraordinary gains - net
$1,238Net income attributable to bank
$0Net charge-offs
$1,238Cash dividends
$59Sale, conversion, retirement of capital stock, net
$505Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.18%Yield on earning assets
0.58%Cost of funding earning assets
3.60%Net interest margin
0.47%Noninterest income to earning assets
2.36%Noninterest expense to earning assets
1.58%Net operating income to assets
1.88%Return on assets (ROA)
1.91%Pretax return on assets
12.72%Return on equity (ROE)
7.53%Retained earnings to average equity (YTD only)
0.31%Net charge-offs to loans
44.07%Credit loss provision to net charge-offs
18.39%Efficiency ratio
58,027Assets per employee
5.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.79%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
437.21%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.22%Net loans and leases to deposits
32.39%Net loans and leases to core deposits
38.90%Equity capital to assets
15.01%Core capital (leverage) ratio
13.39%Tier 1 risk-based capital ratio
27.75%Total risk-based capital ratio
Memoranda
$28Average assets
$65,965Average earning assets
$9,733Average equity
$63,465Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9684
Marion State Bank
301 West San Antonio Street, Marion, TX 78124
January 01, 1906
Full Service Brick and Mortar
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