Vitals
  • Total Assets
    63.0M 12.6 %
  • Total Deposits
    52.8M 13.9 %
  • Total Net Loans
    44.8M -0.5 %
  • Net Income
    298000.0000 64.6 %
  • Book Value
    10.0M 6.7 %
  • Book Value x2
    19.9M 6.7 %
  • Book Value x3
    29.9M 6.7 %
ROAA

.661

ROAE

4.052

Efficiency Ratio

82.482

Net Interest Margin

4.37

Balance Sheet Highlights
Financial Highlights West Side Bank And Trust All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 62,954 278,319
Total Net Loans 44,830 147,906
Total Deposits 52,772 240,617
Total Equity 9,955 28,391
Profitability
Net Income 298 2,166
Return on Average Assets .661 .983
Return on Average Equity 4.052 9.459
Net Interest Margin 4.37 3.716
Efficiency Ratio 82.482 69.448
Noninterest Income/Revenue 7.689 17.204
Balance Sheet Ratios
Loan-to-Deposit 84.95 58.92
Securities/Assets .244
Total Equity/Total Assets .158 .102
Tangible Equity/Tangible Assets .112 .098
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 7,027 27,468
Tier 2 Capital 580 1,851
Total Capital 7,607 29,326
Total Risk Weighted Assets 46,046 165,507
Leverage Ratio 11.97 10.318
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.26 18.533
Total Capital Ratio 16.52 19.624

Timeline for West Side Bank And Trust

Ciera Bank

West Side Bank And Trust was acquired by Ciera Bank 10 years

View Profile Dec 07 2013

First Graham Bancorp, Inc.

First Graham Bancorp, Inc. became a new parent organization for West Side Bank And Trust.

View Profile Jun 28 2013

First Graham Delaware Corporation

First Graham Delaware Corporation became a new parent organization for West Side Bank And Trust.

View Profile Apr 19 2008

Texstar National Bank

Acquisition: West Side Bank And Trust acquired a new subsidiary, Texstar National Bank, 26 years

View Profile Apr 01 1998

First National Bank In Midlothian

Acquisition: West Side Bank And Trust acquired a new subsidiary, First National Bank In Midlothian, 28 years

View Profile Mar 01 1996

Want to see more?

Complete timeline for West Side Bank And Trust is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Ciera Bank Buyer 522,438 Pooling of Interests Discontinued 12/7/2013
Texstar National Bank Seller 70,361 Acquisition Discontinued 4/1/1998
First National Bank In Midlothian Seller 51,253 Pooling of Interests Discontinued 3/1/1996
First National Bank Seller 42,787 Discontinued 12/9/1994
The Farmers Guaranty State Bank Of Kennard Seller 14,818 Discontinued 6/1/1994
Bank Of East Texas Seller 8,162 Discontinued 3/23/1993
First State Bank Seller 11,545 Discontinued 3/23/1993
Relationships Role Relationship Start Relationship End
First Graham Bancorp, Inc. Parent 6/28/2013 12/6/2013
First Graham Delaware Corporation Parent 4/19/2008 6/27/2013
Surety Capital Corporation Parent 2/28/1997 4/18/2008
Surety Capital Corporation Parent 3/31/1990 2/27/1997
Surety Capital Corporation Parent 12/30/1989 3/30/1990
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