The Bank of San Jacinto County, Coldspring, Texas - Overview
General
FDIC Certificate #: 18942 Status: Active Federal Reserve ID: 678052 Bank Holding Company (Regulatory Top Holder): Banc Of San Jacinto County Bancshares, Inc., The (RSSDID: 1107456, Location: Coldspring, TX) Date Established: November 09, 1963 WWW:http://www.banksjc.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) FDIC's unique #: 12787 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: All Other Specialization < 1 Billion Date of Deposit Insurance: November 09, 1963 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: 100 Hwy 150, Coldspring, TX 77331 County: San Jacinto Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288) Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420) CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $33.2 mil Equity capital: $4.2 mil Deposits held in domestic offices: $28.9 mil Return on assets (ROA): 0.98% ($0.3 mil) Quarterly return on assets: 0.35% ($0.1 mil) Return on Equity (ROE): 7.80% ($0.3 mil) Quarterly return on equity: 2.74% ($0.1 mil) Net income: $0.3 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.98% ($325.5 mil) Quarterly Pretax return on assets: 0.35% ($116.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$33,216Total assets
$11,142Cash and due from depository institutions
$9,662Interest-bearing balances
$3,130Securities
$500Federal funds sold & reverse repurchase agreements
$17,424Net loans & leases
$315Loan loss allowance
$0Trading account assets
$510Bank premises and fixed assets
$182Other real estate owned
$0Goodwill and other intangibles
$33,217Life insurance assets
$328All other assets
$28,970Total liabilities and capital
$28,940Total liabilities
$20,753Total deposits
$28,940Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$30Subordinated debt
$4,247All other liabilities
$4,247Total equity capital
$4,247Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$3,610Surplus
$437Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$310Income earned, not collected on loans
$0Earning assets
$100Long-term assets (5+ years)
$30,716Average Assets, year-to-date
$2,196Average Assets, quarterly
$33,430Volatile liabilities
$33,564Insider loans
$12,400FHLB advances
$33,804Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,139Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$471Restructured Loans and leases
$155Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,637Total interest income
$200Total interest expense
$1,437Net interest income
$0Provision for loan and lease losses
$476Total noninterest income
$0Fiduciary activities
$364Service charges on deposit accounts
$0Trading account gains & fees
$112Additional noninterest income
$1,584Total noninterest expense
$843Salaries and employee benefits
$211Premises and equipment expense
$530Additional noninterest expense
$329Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$329Income before extraordinary items
$0Extraordinary gains - net
$329Net income attributable to bank
$0Net charge-offs
$329Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$400Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.29%Yield on earning assets
0.65%Cost of funding earning assets
4.65%Net interest margin
1.54%Noninterest income to earning assets
5.12%Noninterest expense to earning assets
0.98%Net operating income to assets
0.98%Return on assets (ROA)
0.98%Pretax return on assets
7.80%Return on equity (ROE)
-1.68%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
82,802Assets per employee
2.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
121.58%Loss allowance to loans
1.78%Loss allowance to noncurrent loans
101.61%Noncurrent assets plus other real estate owned to assets
1.48%Noncurrent loans to loans
1.75%Net loans and leases to deposits
60.21%Net loans and leases to core deposits
60.74%Equity capital to assets
12.79%Core capital (leverage) ratio
12.24%Tier 1 risk-based capital ratio
33.38%Total risk-based capital ratio
Memoranda
$35Average assets
$33,430Average earning assets
$4,219Average equity
$30,933Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12787
The Bank Of San Jacinto County, Coldspring, Texas
100 Hwy 150, Coldspring, TX 77331
November 09, 1963
Full Service Brick and Mortar
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