Treaty Oak Bank in city_name, state_name - Detailed Financial Reports, Location

Treaty Oak Bank in Austin, Texas (TX)
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Treaty Oak Bank routing number info

Treaty Oak Bank - Overview

General
FDIC Certificate #: 11561
Status: Active
Federal Reserve ID: 646453
Bank Holding Company (Regulatory Top Holder): Carlile Bancshares, Inc. (RSSDID: 3975770, Location: Fort Worth, TX)
Date Established: January 01, 1919
WWW: http://www.treatyoakbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 7388
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: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 24, 2011
Last Structure Change Process Date: October 27, 2011
Last Data Update: October 27, 2011
Data Source Date: April 05, 2012
Location
Address: 101 Westlake Dr., Suite 110, Austin, TX 78746
County: Travis
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Austin
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
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: $113.3 mil
Equity capital: $17.2 mil
Deposits held in domestic offices: $93.5 mil
Return on assets (ROA): 1.56% ($1.8 mil)
Quarterly return on assets: 1.48% ($1.7 mil)
Return on Equity (ROE): 11.32% ($1.9 mil)
Quarterly return on equity: 10.17% ($1.7 mil)
Net income: $1.3 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.37% ($1,551.7 mil)
Quarterly Pretax return on assets: 1.39% ($1,574.4 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
34Total employees (full-time equivalent)
$113,265Total assets
$40,405Cash and due from depository institutions
$34,180Interest-bearing balances
$18,071Securities
$0Federal funds sold & reverse repurchase agreements
$41,117Net loans & leases
$790Loan loss allowance
$0Trading account assets
$6,319Bank premises and fixed assets
$0Other real estate owned
$1,378Goodwill and other intangibles
$113,265Life insurance assets
$5,975All other assets
$96,026Total liabilities and capital
$93,508Total liabilities
$61,859Total deposits
$93,508Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,518Subordinated debt
$17,239All other liabilities
$17,239Total equity capital
$17,239Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$14,765Surplus
$1,474Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$372Income earned, not collected on loans
$0Earning assets
$243Long-term assets (5+ years)
$93,368Average Assets, year-to-date
$19,379Average Assets, quarterly
$82,248Volatile liabilities
$117,301Insider loans
$51,916FHLB advances
$113,366Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,542Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,841Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,244Total interest income
$444Total interest expense
$4,800Net interest income
$977Provision for loan and lease losses
$910Total noninterest income
$0Fiduciary activities
$487Service charges on deposit accounts
$0Trading account gains & fees
$423Additional noninterest income
$5,516Total noninterest expense
$2,584Salaries and employee benefits
$1,034Premises and equipment expense
$1,898Additional noninterest expense
-$783Pre-tax net operating income
$0Securities gains (losses)
-$158Applicable income taxes
-$625Income before extraordinary items
$1,911Extraordinary gains - net
$1,286Net income attributable to bank
$0Net charge-offs
$1,286Cash dividends
$229Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.63%Yield on earning assets
0.65%Cost of funding earning assets
6.99%Net interest margin
1.32%Noninterest income to earning assets
8.03%Noninterest expense to earning assets
-0.76%Net operating income to assets
1.56%Return on assets (ROA)
1.37%Pretax return on assets
11.32%Return on equity (ROE)
11.32%Retained earnings to average equity (YTD only)
0.77%Net charge-offs to loans
426.64%Credit loss provision to net charge-offs
0.85%Efficiency ratio
91,699Assets per employee
3.33%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.89%Loss allowance to noncurrent loans
212.37%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.89%Net loans and leases to deposits
43.97%Net loans and leases to core deposits
45.02%Equity capital to assets
15.22%Core capital (leverage) ratio
10.18%Tier 1 risk-based capital ratio
22.23%Total risk-based capital ratio
Memoranda
$24Average assets
$82,248Average earning assets
$11,362Average equity
$68,685Average loans

List of branches

5 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7388	Treaty Oak Bank	101 Westlake Dr., Suite 110, Austin, TX 78746	January 01, 1919	Full Service Brick and Mortar
2	357835	West 35th Street Branch	1515 West 35th Street - Bldg F, Austin, TX 78703	March 08, 1999	Full Service Brick and Mortar
4	473623	Barton Creek Branch	2800 Barton Creek Boulevard, Austin, TX 78735	January 07, 2008	Full Service Brick and Mortar
6	480628	Marble Falls Branch	507 Rr 2147, Marble Falls, TX 78654	July 17, 2007	Full Service Brick and Mortar
7	520027	Ranch Road Branch	12128 Ranch Road 620 North, Austin, TX 78750	May 20, 2011	Full Service Brick and Mortar

Treaty Oak Bank in Austin, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Treaty Oak Bank - 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:

Treaty Oak Bank in Austin, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

Treaty Oak Bank - 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:

Treaty Oak Bank in Austin, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches