FDIC Certificate #: 10719 Status: Active Federal Reserve ID: 530851 Bank Holding Company (Regulatory Top Holder): Bozka Investments, Ltd. (RSSDID: 3584293, Location: Hallettsville, TX) Date Established: January 18, 1929 WWW:http://www.psbhallettsville.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 #: 6877 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2011 Last Structure Change Process Date: June 22, 2011 Last Data Update: June 22, 2011 Data Source Date: April 05, 2012
Location
Address: 116 East Third Street, Hallettsville, TX 77964 County: Lavaca 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
History of Changes
Change in Location
Financial Summary
Total assets: $228.1 mil Equity capital: $27.5 mil Deposits held in domestic offices: $194.2 mil Return on assets (ROA): 0.67% ($1.5 mil) Quarterly return on assets: 0.72% ($1.6 mil) Return on Equity (ROE): 5.56% ($1.6 mil) Quarterly return on equity: 5.87% ($1.6 mil) Net income: $1.5 mil Quarterly Net income: $0.4 mil Pretax return on assets: 0.76% ($1,733.4 mil) Quarterly Pretax return on assets: 0.59% ($1,345.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
25Total employees (full-time equivalent)
$228,081Total assets
$69,261Cash and due from depository institutions
$66,688Interest-bearing balances
$119,179Securities
$0Federal funds sold & reverse repurchase agreements
$36,999Net loans & leases
$632Loan loss allowance
$0Trading account assets
$284Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$228,081Life insurance assets
$2,358All other assets
$200,541Total liabilities and capital
$194,173Total liabilities
$168,698Total deposits
$194,173Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,400Trading liabilities
$0Other borrowed funds
$1,968Subordinated debt
$27,540All other liabilities
$27,540Total equity capital
$27,540Total bank equity capital
$0Perpetual preferred stock
$1,600Common stock
$3,200Surplus
$22,740Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$103Income earned, not collected on loans
$0Earning assets
$1,368Long-term assets (5+ years)
$222,866Average Assets, year-to-date
$96,625Average Assets, quarterly
$220,730Volatile liabilities
$226,282Insider loans
$49,837FHLB advances
$223,075Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$24,368Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,221Restructured Loans and leases
$1,662Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,301Total interest income
$2,153Total interest expense
$4,148Net interest income
$0Provision for loan and lease losses
$208Total noninterest income
$0Fiduciary activities
$117Service charges on deposit accounts
$0Trading account gains & fees
$91Additional noninterest income
$2,841Total noninterest expense
$1,726Salaries and employee benefits
$234Premises and equipment expense
$881Additional noninterest expense
$1,515Pre-tax net operating income
$164Securities gains (losses)
$206Applicable income taxes
$1,473Income before extraordinary items
$0Extraordinary gains - net
$1,473Net income attributable to bank
$0Net charge-offs
$1,473Cash dividends
-$3Sale, conversion, retirement of capital stock, net
$640Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.95%Yield on earning assets
1.01%Cost of funding earning assets
1.94%Net interest margin
0.10%Noninterest income to earning assets
1.33%Noninterest expense to earning assets
0.60%Net operating income to assets
0.67%Return on assets (ROA)
0.76%Pretax return on assets
5.56%Return on equity (ROE)
3.14%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
65,220Assets per employee
9.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
43.45%Loss allowance to loans
1.68%Loss allowance to noncurrent loans
613.59%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.27%Net loans and leases to deposits
19.05%Net loans and leases to core deposits
23.06%Equity capital to assets
12.07%Core capital (leverage) ratio
10.92%Tier 1 risk-based capital ratio
48.90%Total risk-based capital ratio
Memoranda
$50Average assets
$220,730Average earning assets
$26,488Average equity
$213,461Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6877
Peoples State Bank Of Hallettsville
116 East Third Street, Hallettsville, TX 77964
January 18, 1929
Full Service Brick and Mortar
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