Memphis State Bank
Memphis, TX — Domestic Branch of a Domestic Bank
Acquired Nov 2014
Vitals
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Total Assets31.9M -5.1 %
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Total Deposits27.2M 4.7 %
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Total Net Loans6.1M 17.3 %
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Net Income5000.0000 -94.8 %
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Book Value3.6M 8.3 %
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Book Value x27.3M 8.3 %
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Book Value x310.9M 8.3 %
Balance Sheet Highlights
| Financial Highlights | Memphis State Bank | All Insured Commercial Banks in Texas |
| Balance Sheet $(000) | ||
| Total Assets | 31,926 | 306,053 |
| Total Net Loans | 6,111 | 169,503 |
| Total Deposits | 27,193 | 263,383 |
| Total Equity | 3,628 | 32,311 |
| Profitability | ||
| Net Income | 5 | 2,516 |
| Return on Average Assets | .02 | 1.057 |
| Return on Average Equity | .195 | 10.228 |
| Net Interest Margin | 2.112 | 3.765 |
| Efficiency Ratio | 100 | 67.76 |
| Noninterest Income/Revenue | 20.815 | 16.56 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 22.473 | 60.838 |
| Securities/Assets | .726 | .241 |
| Total Equity/Total Assets | .114 | .106 |
| Tangible Equity/Tangible Assets | .09 | .101 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 3,293 | 30,369 |
| Tier 2 Capital | 79 | 2,046 |
| Total Capital | 3,372 | 32,434 |
| Total Risk Weighted Assets | 11,839 | 188,219 |
| Leverage Ratio | 10.49 | 10.235 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 27.81 | 18.323 |
| Total Capital Ratio | 28.48 | 19.389 |
Timeline for Memphis State Bank
First Bank & Trust
Memphis State Bank was acquired by First Bank & Trust 9 years
View Profile Nov 15 2014
Baylor Bancshares, Inc.
Baylor Bancshares, Inc. became a new parent organization for Memphis State Bank.
View Profile Feb 10 2007
Baylor/Delaware Corporation
Baylor/Delaware Corporation became a new parent organization for Memphis State Bank.
View Profile Jun 17 1995
Peoples State Bank
Acquisition: Memphis State Bank acquired a new subsidiary, Peoples State Bank, 37 years
View Profile May 01 1987
First State Bank
Acquisition: Memphis State Bank acquired a new subsidiary, First State Bank, 38 years
View Profile Mar 28 1986
| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| First Bank & Trust | Buyer | 170,622 | Pooling of Interests | Discontinued | 11/15/2014 |
| Peoples State Bank | Seller | 5,789 | Failure | 5/1/1987 | |
| First State Bank | Seller | 17,008 | Failure | 3/28/1986 |
| Relationships | Role | Relationship Start | Relationship End |
| Baylor Bancshares, Inc. | Parent | 2/10/2007 | 11/14/2014 |
| Baylor/Delaware Corporation | Parent | 6/17/1995 | 2/9/2007 |
| North Central Texas Bancshares, Inc. | Parent | 3/28/1986 | 6/16/1995 |
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