FDIC Certificate #: 19693 Status: Active Federal Reserve ID: 256049 Bank Holding Company (Regulatory Top Holder): Texico Bancshares Corporation (RSSDID: 1132841, Location: Texico, IL) Date Established: January 01, 1920 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 13492 Numeric code: 13 Regulator: FED 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: Mortgage Lending Specialization Date of Deposit Insurance: March 23, 1967 Last Structure Change Effective Date: March 09, 2011 Last Structure Change Process Date: March 22, 2011 Last Data Update: March 22, 2011 Data Source Date: April 05, 2012
Location
Address: 13766 E Dix Texico Rd, Texico, IL 62889 County: Jefferson Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Mount Vernon Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Mount Vernon, IL (#34500) CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Financial Summary
Total assets: $9.7 mil Equity capital: $0.9 mil Deposits held in domestic offices: $8.3 mil Return on assets (ROA): 0.91% ($0.1 mil) Quarterly return on assets: -0.66% (-$0.1 mil) Return on Equity (ROE): 9.27% ($0.1 mil) Quarterly return on equity: -6.53% (-$0.1 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.91% ($88.7 mil) Quarterly Pretax return on assets: -0.66% (-$64.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
4Total employees (full-time equivalent)
$9,742Total assets
$333Cash and due from depository institutions
$3Interest-bearing balances
$5,599Securities
$23Federal funds sold & reverse repurchase agreements
$3,566Net loans & leases
$58Loan loss allowance
$0Trading account assets
$90Bank premises and fixed assets
$36Other real estate owned
$0Goodwill and other intangibles
$9,742Life insurance assets
$95All other assets
$8,816Total liabilities and capital
$8,330Total liabilities
$5,275Total deposits
$8,330Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$486Subordinated debt
$926All other liabilities
$926Total equity capital
$926Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$804Surplus
$22Undivided 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
$37Long-term assets (5+ years)
$9,191Average Assets, year-to-date
$3,242Average Assets, quarterly
$9,551Volatile liabilities
$9,664Insider loans
$4,095FHLB advances
$9,050Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$916Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$270Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$462Total interest income
$58Total interest expense
$404Net interest income
$0Provision for loan and lease losses
$100Total noninterest income
$0Fiduciary activities
$12Service charges on deposit accounts
$0Trading account gains & fees
$88Additional noninterest income
$417Total noninterest expense
$208Salaries and employee benefits
$41Premises and equipment expense
$168Additional noninterest expense
$87Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$87Income before extraordinary items
$0Extraordinary gains - net
$87Net income attributable to bank
$0Net charge-offs
$87Cash dividends
$0Sale, conversion, retirement of capital stock, net
$61Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.33%Yield on earning assets
0.67%Cost of funding earning assets
4.66%Net interest margin
1.15%Noninterest income to earning assets
4.81%Noninterest expense to earning assets
0.91%Net operating income to assets
0.91%Return on assets (ROA)
0.91%Pretax return on assets
9.27%Return on equity (ROE)
2.77%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
76,786Assets per employee
2.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
70.11%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.37%Noncurrent loans to loans
0.00%Net loans and leases to deposits
42.81%Net loans and leases to core deposits
42.81%Equity capital to assets
9.51%Core capital (leverage) ratio
10.12%Tier 1 risk-based capital ratio
22.37%Total risk-based capital ratio
Memoranda
$24Average assets
$9,551Average earning assets
$938Average equity
$8,661Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
13492
Texico State Bank
13766 E Dix Texico Rd, Texico, IL 62889
January 01, 1920
Full Service Brick and Mortar
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