FDIC Certificate #: 58577 Status: Active Federal Reserve ID: 3595637 Date Established: May 14, 2007 WWW:http://www.pioneerbanktexas.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 54013 FDIC's unique #: 457289 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: 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: Commercial Lending Specialization Date of Deposit Insurance: May 14, 2007 Last Structure Change Effective Date: May 14, 2007 Last Structure Change Process Date: May 14, 2007 Last Data Update: May 14, 2007 Data Source Date: April 05, 2012
Location
Address: 100 Creek Road, Dripping Springs, TX 78620 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)
History of Changes
Corrections
Change in Geographic Region/Area/Territory/Field Office
New Institution
Financial Summary
Total assets: $128.3 mil Equity capital: $17.6 mil Deposits held in domestic offices: $110.5 mil Return on assets (ROA): 0.67% ($0.9 mil) Quarterly return on assets: 0.85% ($1.1 mil) Return on Equity (ROE): 5.11% ($0.9 mil) Quarterly return on equity: 6.15% ($1.1 mil) Net income: $0.8 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.02% ($1,309.1 mil) Quarterly Pretax return on assets: 1.35% ($1,732.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$128,343Total assets
$19,706Cash and due from depository institutions
$16,192Interest-bearing balances
$11,532Securities
$2,300Federal funds sold & reverse repurchase agreements
$89,526Net loans & leases
$792Loan loss allowance
$0Trading account assets
$3,793Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$128,343Life insurance assets
$1,486All other assets
$110,789Total liabilities and capital
$110,491Total liabilities
$96,949Total deposits
$110,491Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$298Subordinated debt
$17,554All other liabilities
$17,554Total equity capital
$17,554Total bank equity capital
$3,004Perpetual preferred stock
$1,298Common stock
$12,787Surplus
$465Undivided profits
Memoranda
$0Noncurrent loans and leases
$3,004Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$389Income earned, not collected on loans
$0Earning assets
$337Long-term assets (5+ years)
$119,550Average Assets, year-to-date
$44,188Average Assets, quarterly
$115,249Volatile liabilities
$126,170Insider loans
$89,622FHLB advances
$126,662Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,385Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$16,583Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,880Total interest income
$1,246Total interest expense
$4,634Net interest income
$325Provision for loan and lease losses
$531Total noninterest income
$0Fiduciary activities
$87Service charges on deposit accounts
$0Trading account gains & fees
$444Additional noninterest income
$3,799Total noninterest expense
$2,071Salaries and employee benefits
$394Premises and equipment expense
$1,334Additional noninterest expense
$1,041Pre-tax net operating income
$137Securities gains (losses)
$407Applicable income taxes
$771Income before extraordinary items
$0Extraordinary gains - net
$771Net income attributable to bank
$0Net charge-offs
$771Cash dividends
$90Sale, conversion, retirement of capital stock, net
$15Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.47%Yield on earning assets
1.16%Cost of funding earning assets
4.31%Net interest margin
0.49%Noninterest income to earning assets
3.53%Noninterest expense to earning assets
0.59%Net operating income to assets
0.67%Return on assets (ROA)
1.02%Pretax return on assets
5.11%Return on equity (ROE)
5.01%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
361.11%Credit loss provision to net charge-offs
15.18%Efficiency ratio
73,553Assets per employee
6.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
1.95%Loss allowance to loans
0.88%Loss allowance to noncurrent loans
203.60%Noncurrent assets plus other real estate owned to assets
0.30%Noncurrent loans to loans
0.43%Net loans and leases to deposits
81.03%Net loans and leases to core deposits
83.93%Equity capital to assets
13.68%Core capital (leverage) ratio
13.73%Tier 1 risk-based capital ratio
19.40%Total risk-based capital ratio
Memoranda
$20Average assets
$115,249Average earning assets
$15,101Average equity
$107,561Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
457289
Pioneer Bank, Ssb
100 Creek Road, Dripping Springs, TX 78620
May 14, 2007
Full Service Brick and Mortar
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