FDIC Certificate #: 3371 Status: Active Federal Reserve ID: 777964 Date Established: January 01, 1925 WWW:http://www.oglesbysb.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 #: 2189 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: Consumer Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: Febuary 24, 2009 Last Structure Change Process Date: Febuary 25, 2009 Last Data Update: Febuary 25, 2009 Data Source Date: April 05, 2012
Location
Address: 117 Fm Highway 1996, Oglesby, TX 76561 County: Coryell 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 Metropolitan Statistical Area (MSA): Killeen-Temple, TX (#3810) Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660) CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
History of Changes
Corrections
Change in Location
Financial Summary
Total assets: $14.4 mil Equity capital: $1.2 mil Deposits held in domestic offices: $13.1 mil Return on assets (ROA): 0.69% ($0.1 mil) Quarterly return on assets: 0.39% ($0.1 mil) Return on Equity (ROE): 8.07% ($0.1 mil) Quarterly return on equity: 4.60% ($0.0 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.69% ($99.2 mil) Quarterly Pretax return on assets: 0.39% ($56.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$14,374Total assets
$2,273Cash and due from depository institutions
$1,387Interest-bearing balances
$200Securities
$0Federal funds sold & reverse repurchase agreements
$11,662Net loans & leases
$200Loan loss allowance
$0Trading account assets
$99Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$14,375Life insurance assets
$140All other assets
$13,151Total liabilities and capital
$13,088Total liabilities
$12,202Total deposits
$13,088Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$63Subordinated debt
$1,224All other liabilities
$1,224Total equity capital
$1,224Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$450Surplus
$724Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$124Income earned, not collected on loans
$0Earning assets
$76Long-term assets (5+ years)
$13,249Average Assets, year-to-date
$2,633Average Assets, quarterly
$13,956Volatile liabilities
$14,396Insider loans
$10,322FHLB advances
$14,575Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,225Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$252Restructured Loans and leases
$38Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$854Total interest income
$112Total interest expense
$742Net interest income
$90Provision for loan and lease losses
$129Total noninterest income
$0Fiduciary activities
$107Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$685Total noninterest expense
$327Salaries and employee benefits
$83Premises and equipment expense
$275Additional noninterest expense
$96Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$96Income before extraordinary items
$0Extraordinary gains - net
$96Net income attributable to bank
$0Net charge-offs
$96Cash dividends
$48Sale, conversion, retirement of capital stock, net
$43Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.63%Yield on earning assets
0.87%Cost of funding earning assets
5.76%Net interest margin
1.00%Noninterest income to earning assets
5.32%Noninterest expense to earning assets
0.69%Net operating income to assets
0.69%Return on assets (ROA)
0.69%Pretax return on assets
8.07%Return on equity (ROE)
4.45%Retained earnings to average equity (YTD only)
0.40%Net charge-offs to loans
187.50%Credit loss provision to net charge-offs
3.88%Efficiency ratio
78,645Assets per employee
2.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.79%Loss allowance to loans
1.69%Loss allowance to noncurrent loans
161.29%Noncurrent assets plus other real estate owned to assets
0.86%Noncurrent loans to loans
1.05%Net loans and leases to deposits
89.10%Net loans and leases to core deposits
89.78%Equity capital to assets
8.52%Core capital (leverage) ratio
8.40%Tier 1 risk-based capital ratio
11.87%Total risk-based capital ratio
Memoranda
$13Average assets
$13,956Average earning assets
$1,190Average equity
$12,877Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2189
Oglesby State Bank
117 Fm Highway 1996, Oglesby, TX 76561
January 01, 1925
Full Service Brick and Mortar
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