FDIC Certificate #: 15442 Status: Active Federal Reserve ID: 803265 Bank Holding Company (Regulatory Top Holder): Robert Lee Bancshares, Inc. (RSSDID: 2155212, Location: Robert Lee, TX) Date Established: October 23, 1936 WWW:http://www.robertleestatebank.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) OTS Docket #: 12212 FDIC's unique #: 9754 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: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: December 10, 1936 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 621 Austin, Robert Lee, TX 76945 County: Coke Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Lubbock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $44.0 mil Equity capital: $5.0 mil Deposits held in domestic offices: $38.5 mil Return on assets (ROA): 0.57% ($0.3 mil) Quarterly return on assets: 0.63% ($0.3 mil) Return on Equity (ROE): 5.39% ($0.3 mil) Quarterly return on equity: 5.60% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.54% ($237.8 mil) Quarterly Pretax return on assets: 0.48% ($211.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$44,044Total assets
$4,278Cash and due from depository institutions
$2,318Interest-bearing balances
$20,547Securities
$2,000Federal funds sold & reverse repurchase agreements
$15,600Net loans & leases
$380Loan loss allowance
$0Trading account assets
$448Bank premises and fixed assets
$16Other real estate owned
$0Goodwill and other intangibles
$44,044Life insurance assets
$1,155All other assets
$39,088Total liabilities and capital
$38,467Total liabilities
$28,519Total deposits
$38,467Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$333Trading liabilities
$0Other borrowed funds
$288Subordinated debt
$4,956All other liabilities
$4,956Total equity capital
$4,956Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$2,400Surplus
$2,356Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$265Long-term assets (5+ years)
$40,465Average Assets, year-to-date
$12,813Average Assets, quarterly
$45,799Volatile liabilities
$43,761Insider loans
$21,364FHLB advances
$43,671Loans and leases held for sale
$327Unused loan commitments
$327Tier 1 (core) risk-based capital
$4,927Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$288Restructured Loans and leases
$58Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,776Total interest income
$315Total interest expense
$1,461Net interest income
$0Provision for loan and lease losses
$222Total noninterest income
$0Fiduciary activities
$179Service charges on deposit accounts
$0Trading account gains & fees
$43Additional noninterest income
$1,437Total noninterest expense
$745Salaries and employee benefits
$235Premises and equipment expense
$457Additional noninterest expense
$246Pre-tax net operating income
$0Securities gains (losses)
-$16Applicable income taxes
$262Income before extraordinary items
$0Extraordinary gains - net
$262Net income attributable to bank
$0Net charge-offs
$262Cash dividends
-$19Sale, conversion, retirement of capital stock, net
$53Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.14%Yield on earning assets
0.73%Cost of funding earning assets
3.41%Net interest margin
0.52%Noninterest income to earning assets
3.35%Noninterest expense to earning assets
0.57%Net operating income to assets
0.57%Return on assets (ROA)
0.54%Pretax return on assets
5.39%Return on equity (ROE)
4.30%Retained earnings to average equity (YTD only)
-0.12%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
85,383Assets per employee
2.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
20.23%Loss allowance to loans
2.38%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.00%Net loans and leases to deposits
40.55%Net loans and leases to core deposits
45.13%Equity capital to assets
11.25%Core capital (leverage) ratio
11.28%Tier 1 risk-based capital ratio
23.06%Total risk-based capital ratio
Memoranda
$24Average assets
$45,799Average earning assets
$4,857Average equity
$42,900Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9754
Robert Lee State Bank
621 Austin, Robert Lee, TX 76945
October 23, 1936
Full Service Brick and Mortar
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