FDIC Certificate #: 15460 Status: Active Federal Reserve ID: 409265 Bank Holding Company (Regulatory Top Holder): Espuela Bank Shares, Inc. (RSSDID: 1102554, Location: Spur, TX) Date Established: December 23, 1933 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 #: 9768 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: Febuary 09, 1937 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: 120 West Harris Street, Spur, TX 79370 County: Dickens 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: $45.9 mil Equity capital: $4.6 mil Deposits held in domestic offices: $41.2 mil Return on assets (ROA): 0.58% ($0.3 mil) Quarterly return on assets: 0.03% ($0.0 mil) Return on Equity (ROE): 5.43% ($0.3 mil) Quarterly return on equity: 0.26% ($0.0 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.58% ($266.4 mil) Quarterly Pretax return on assets: 0.03% ($13.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$45,938Total assets
$7,285Cash and due from depository institutions
$2,037Interest-bearing balances
$24,736Securities
$3,250Federal funds sold & reverse repurchase agreements
$9,880Net loans & leases
$109Loan loss allowance
$0Trading account assets
$248Bank premises and fixed assets
$18Other real estate owned
$0Goodwill and other intangibles
$45,938Life insurance assets
$521All other assets
$41,309Total liabilities and capital
$41,225Total liabilities
$27,517Total deposits
$41,225Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$84Subordinated debt
$4,629All other liabilities
$4,629Total equity capital
$4,629Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$800Surplus
$3,429Undivided 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
$313Long-term assets (5+ years)
$39,903Average Assets, year-to-date
$23,416Average Assets, quarterly
$42,053Volatile liabilities
$46,033Insider loans
$18,204FHLB advances
$46,166Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,039Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,982Restructured Loans and leases
$150Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,478Total interest income
$334Total interest expense
$1,144Net interest income
$40Provision for loan and lease losses
$106Total noninterest income
$0Fiduciary activities
$78Service charges on deposit accounts
$0Trading account gains & fees
$28Additional noninterest income
$967Total noninterest expense
$498Salaries and employee benefits
$107Premises and equipment expense
$362Additional noninterest expense
$243Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$243Income before extraordinary items
$0Extraordinary gains - net
$243Net income attributable to bank
$0Net charge-offs
$243Cash dividends
$6Sale, conversion, retirement of capital stock, net
$50Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.09%Yield on earning assets
0.92%Cost of funding earning assets
3.17%Net interest margin
0.29%Noninterest income to earning assets
2.68%Noninterest expense to earning assets
0.58%Net operating income to assets
0.58%Return on assets (ROA)
0.58%Pretax return on assets
5.43%Return on equity (ROE)
4.31%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
666.67%Credit loss provision to net charge-offs
47.17%Efficiency ratio
77,360Assets per employee
5.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
20.58%Loss allowance to loans
1.09%Loss allowance to noncurrent loans
105.83%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
1.03%Net loans and leases to deposits
23.97%Net loans and leases to core deposits
29.24%Equity capital to assets
10.08%Core capital (leverage) ratio
8.75%Tier 1 risk-based capital ratio
22.19%Total risk-based capital ratio
Memoranda
$23Average assets
$42,053Average earning assets
$4,478Average equity
$36,126Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9768
Spur Security Bank
120 West Harris Street, Spur, TX 79370
December 23, 1933
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Spur Security Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: