State Bank of De Kalb in city_name, state_name - Detailed Financial Reports, Location

State Bank of De Kalb in De Kalb, Texas (TX)
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State Bank of De Kalb routing number info

State Bank of De Kalb - Overview

General
FDIC Certificate #: 15463
Status: Active
Federal Reserve ID: 621357
Date Established: Febuary 19, 1937
WWW: http://www.statebankofdekalb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 9771
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: Commercial Lending Specialization
Date of Deposit Insurance: Febuary 20, 1937
Last Structure Change Effective Date: January 23, 2008
Last Structure Change Process Date: January 23, 2008
Last Data Update: January 23, 2008
Data Source Date: April 05, 2012
Location
Address: 102 S.W. Runnels Street, De Kalb, TX 75559
County: Bowie
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): Texarkana, TX-Texarkana, AR (#8360)
Core Based Statistical Area (CBSA): Texarkana, TX-Texarkana, AR (#45500)
CBSA Metro Statistical Area: Texarkana, TX-Texarkana, AR (#45500)
Financial Summary
Total assets: $120.5 mil
Equity capital: $17.5 mil
Deposits held in domestic offices: $102.8 mil
Return on assets (ROA): 1.66% ($2.0 mil)
Quarterly return on assets: 1.69% ($2.0 mil)
Return on Equity (ROE): 11.33% ($2.0 mil)
Quarterly return on equity: 11.66% ($2.1 mil)
Net income: $2.0 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.66% ($2,001.0 mil)
Quarterly Pretax return on assets: 1.69% ($2,037.1 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
31Total employees (full-time equivalent)
$120,541Total assets
$23,473Cash and due from depository institutions
$20,444Interest-bearing balances
$20,705Securities
$500Federal funds sold & reverse repurchase agreements
$73,363Net loans & leases
$1,293Loan loss allowance
$0Trading account assets
$463Bank premises and fixed assets
$513Other real estate owned
$0Goodwill and other intangibles
$120,541Life insurance assets
$1,524All other assets
$103,016Total liabilities and capital
$102,827Total liabilities
$83,456Total deposits
$102,827Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$189Subordinated debt
$17,525All other liabilities
$17,525Total equity capital
$17,525Total bank equity capital
$0Perpetual preferred stock
$5,050Common stock
$5,125Surplus
$7,350Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,836Income earned, not collected on loans
$0Earning assets
$870Long-term assets (5+ years)
$115,012Average Assets, year-to-date
$28,002Average Assets, quarterly
$120,236Volatile liabilities
$121,199Insider loans
$83,085FHLB advances
$122,776Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,574Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,057Restructured Loans and leases
$757Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,725Total interest income
$615Total interest expense
$5,110Net interest income
$500Provision for loan and lease losses
$413Total noninterest income
$0Fiduciary activities
$300Service charges on deposit accounts
$0Trading account gains & fees
$113Additional noninterest income
$3,028Total noninterest expense
$1,547Salaries and employee benefits
$313Premises and equipment expense
$1,168Additional noninterest expense
$1,995Pre-tax net operating income
-$5Securities gains (losses)
$0Applicable income taxes
$1,990Income before extraordinary items
$0Extraordinary gains - net
$1,990Net income attributable to bank
$0Net charge-offs
$1,990Cash dividends
$226Sale, conversion, retirement of capital stock, net
$1,889Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.98%Yield on earning assets
0.54%Cost of funding earning assets
4.45%Net interest margin
0.36%Noninterest income to earning assets
2.63%Noninterest expense to earning assets
1.66%Net operating income to assets
1.66%Return on assets (ROA)
1.66%Pretax return on assets
11.33%Return on equity (ROE)
0.58%Retained earnings to average equity (YTD only)
0.27%Net charge-offs to loans
221.24%Credit loss provision to net charge-offs
11.04%Efficiency ratio
54,825Assets per employee
3.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
94.92%Loss allowance to loans
1.73%Loss allowance to noncurrent loans
70.42%Noncurrent assets plus other real estate owned to assets
1.95%Noncurrent loans to loans
2.46%Net loans and leases to deposits
71.35%Net loans and leases to core deposits
81.08%Equity capital to assets
14.54%Core capital (leverage) ratio
14.31%Tier 1 risk-based capital ratio
21.15%Total risk-based capital ratio
Memoranda
$22Average assets
$120,236Average earning assets
$17,561Average equity
$114,922Average loans

List of branches

3 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9771	State Bank Of De Kalb	102 S.W. Runnels Street, De Kalb, TX 75559	Febuary 19, 1937	Full Service Brick and Mortar
2	196096	Detached Drive-In Facility	South Main, Clarksville, TX 75426	September 24, 1979	Limited Service Facility
3	32113	Clarksville Branch	200 West Main Street, Clarksville, TX 75426	January 24, 1985	Full Service Brick and Mortar

State Bank of De Kalb in De Kalb, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of De Kalb - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

State Bank of De Kalb in De Kalb, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of De Kalb - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

State Bank of De Kalb in De Kalb, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches