FDIC Certificate #: 30951 Status: Active Federal Reserve ID: 959779 Bank Holding Company (Regulatory Top Holder): Texas Bancshares Inc (RSSDID: 3284678, Location: Snyder, TX) Date Established: January 01, 1956 WWW:http://www.texassavingsbank.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 2 (Domestic: 2, Interstate: No) OTS Docket #: 6161 FDIC's unique #: 43785 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: September 24, 1957 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: 2619 College Avenue, Snyder, TX 79549 County: Scurry 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 Core Based Statistical Area (CBSA): Snyder, TX (#43660) CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $118.3 mil Equity capital: $6.4 mil Deposits held in domestic offices: $111.7 mil Return on assets (ROA): -3.88% (-$4.6 mil) Quarterly return on assets: -3.23% (-$3.8 mil) Return on Equity (ROE): -58.50% (-$3.5 mil) Quarterly return on equity: -55.64% (-$3.3 mil) Net income: -$4.7 mil Quarterly Net income: -$1.0 mil Pretax return on assets: -3.88% (-$4,589.0 mil) Quarterly Pretax return on assets: -3.23% (-$3,820.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
28Total employees (full-time equivalent)
$118,274Total assets
$32,321Cash and due from depository institutions
$31,374Interest-bearing balances
$9Securities
$0Federal funds sold & reverse repurchase agreements
$79,379Net loans & leases
$4,139Loan loss allowance
$0Trading account assets
$4,945Bank premises and fixed assets
$851Other real estate owned
$0Goodwill and other intangibles
$118,274Life insurance assets
$769All other assets
$111,826Total liabilities and capital
$111,668Total liabilities
$92,597Total deposits
$111,668Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$158Subordinated debt
$6,448All other liabilities
$6,448Total equity capital
$6,448Total bank equity capital
$0Perpetual preferred stock
$2Common stock
$2,998Surplus
$3,448Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,035Income earned, not collected on loans
$0Earning assets
$306Long-term assets (5+ years)
$110,762Average Assets, year-to-date
$24,906Average Assets, quarterly
$122,060Volatile liabilities
$119,471Insider loans
$72,614FHLB advances
$119,470Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,448Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$471Restructured Loans and leases
$17Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,289Total interest income
$1,502Total interest expense
$4,787Net interest income
$5,848Provision for loan and lease losses
$551Total noninterest income
$0Fiduciary activities
$366Service charges on deposit accounts
$0Trading account gains & fees
$185Additional noninterest income
$4,224Total noninterest expense
$1,631Salaries and employee benefits
$446Premises and equipment expense
$2,147Additional noninterest expense
-$4,734Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$4,734Income before extraordinary items
$0Extraordinary gains - net
-$4,734Net income attributable to bank
$0Net charge-offs
-$4,734Cash dividends
$4,151Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.53%Yield on earning assets
1.32%Cost of funding earning assets
4.21%Net interest margin
0.48%Noninterest income to earning assets
3.71%Noninterest expense to earning assets
-3.88%Net operating income to assets
-3.88%Return on assets (ROA)
-3.88%Pretax return on assets
-58.50%Return on equity (ROE)
-58.50%Retained earnings to average equity (YTD only)
4.18%Net charge-offs to loans
140.88%Credit loss provision to net charge-offs
0.27%Efficiency ratio
79,131Assets per employee
4.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.96%Loss allowance to noncurrent loans
68.58%Noncurrent assets plus other real estate owned to assets
5.82%Noncurrent loans to loans
7.23%Net loans and leases to deposits
71.08%Net loans and leases to core deposits
77.50%Equity capital to assets
5.45%Core capital (leverage) ratio
5.40%Tier 1 risk-based capital ratio
8.88%Total risk-based capital ratio
Memoranda
$10Average assets
$122,060Average earning assets
$8,093Average equity
$113,715Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43785
Texas Savings Bank
2619 College Avenue, Snyder, TX 79549
January 01, 1956
Full Service Brick and Mortar
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