®
2 0 1 2
A n n u a l
R e p o r t
What is important
to
East Texas:
Honesty
Integrity
Service
Stability
w w w. a u s t i n b a n k . c o m
Performance
T o ta l A S S ET S
(000)
$1,246
2012
ASSETS
Cash and balances due from banks
$
175,714,000
2011
$
159,153,000
170,130,000
Net loans
983,391,000
974,422,000
90,873,000
101,864,000
$ 1,409,131,000
$ 1,329,488,000
TOTAL ASSETS
Non-interest bearing deposits
$
Interest bearing deposits
Total deposits
380,048,000
$
2009
2010
2011
2012
T o ta l LO A N S
(000)
$925
$986
$995
2011
2012
327,079,000
838,474,000
826,545,000
1,218,522,000
1,153,624,000
Securities sold under agreements to repurchase
13,594,000
10,280,000
Other liabilities
19,688,000
22,124,000
1,251,804,000
1,186,028,000
157,327,000
143,460,000
$ 1,409,131,000
$ 1,329,488,000
$1,042
$800
LIABILITIES AND STOCKHOLDERS’ EQUITY
$1,409
83,072,000
Securities available for sale Other assets
$1,329
Total liabilities
2009
2010
T o ta l C a p i ta l
(000)
Total stockholders’ equity $131
$143
$157
2011
2012
$108
TOTAL LIABILITIES AND EQUITY 2009
Leadership
2010
T o ta l D EPO S I T S
(000)
$1,081
Austin Bank Executive Committee
$1,154
$1,219
$905
2009
2010
2011
2012
Return on ASSETS
Jeff Austin, Jr.
Jeff Austin III
John P. Williams
Sissy Austin
Chairman of the Board
Jacksonville
Vice Chairman of the Board
Tyler / Jacksonville
President/CEO
Jacksonville / Whitehouse
Senior Executive Vice President
Jacksonville
1.18% 1.16%
1.21%
2009
2011
1.30%
Michael Austin Neill
Director
Athens
2010
2012
LOAN-TO-DEPOSIT
E. Glenn Bass
Senior Executive Vice President
Deposit Operations
Longview
Larry Bolton
Keith Chambers
Senior Executive Vice President
Chief Lending Officer
Tyler
Senior Executive Vice President/CFO
Jacksonville
Jane Austin Chapman
Director
Frankston
(Not pictured)
Russ Gideon
Billy Mullins
Senior Executive Vice President
Regional President
Frankston
Senior Executive Vice President
Risk Management and Operations,
Longview
88.4%
85.57% 85.44% 81.62%
2009
2010
2011
2012
Integrity
Austin Bank entered 2012 with good momentum and continued to adapt and excel. We kept our focus
on being responsive, controlling what we could and preparing for what we could not. Our progress is
a testimony to the soundness of our strategy and the commitment of our officers, employees and
directors. We work hard each day doing what is right for our customers and our communities. We
understand that what is important to East Texas is also what is important to Austin Bank.
Jeff Austin, Jr.
Chairman of the Board
Innovation
Our goal….continually listening and responding to customer needs, constantly researching and
reviewing new technology opportunities for improved banking services and delivery channels.
From multiple online banking channels for our consumers to treasury management for our business
partners, emphasis on security is our top priority. We are excited about the future with even more
innovation and proactive solutions planned to improve our customers’ access and safety along with
our bank’s efficiency.
Jeff Austin III
Vice Chairman of the Board
Stability
At Austin Bank, our principles of honesty, integrity and service ground us in stability. A stable
community bank is the financial foundation of our country—it keeps money local and the focus on
people, relationships and opportunities. Austin Bank demonstrates our commitment to East Texas
by making loans to businesses and to families. These loan decisions are made by our bankers who
live and work in the community. We believe there will always be an important role for strong and
stable community banks. We look forward to serving you as your “Bank of Choice” for East Texas.
John P. Williams
President / CEO
1900
1900
First
FirstNational
NationalBank
Bankofof
Jacksonville
Jacksonvillereceives
receivesitsits
Charter
CharterononSeptember
September1.1.
1900
1900
1930
1940
JohnJohn
Frank
Frank
Austin
Austin,
Sr. &Sr. &
Sallie
Sallie
JohnJohn
Brown
Brown
Austin
Austin
begin
begin
theAustin
the Austin
Family
Family
legacy
legacy
of banking
of banking
when
when
JohnJohn
Austin
Austin,
Sr. becomes
Sr. becomes
President
President
of First
of State
BankFirst
of Frankston.
State
1909
Bank of
Frankston.
1909
1940
Jeff Austin
The Austin
Sr. begins
Family purchases The Austin
Jeff Austin,
Family purchases
Sr. is named
work at
First
First
State
State
Bank
Bank,
in Rusk.
First State
President
Bank in
andRusk.
Chairman
Frankston
(Bankasoriginally
a clerk chartered (Bank of
originally
the Board
chartered
of First
and then
in 1907.)
Cashier.
in 1907.)
State Bank, Frankston.
19371944
1944 1946
1950
1960
1950
1960
Jeff Austin
TheSr.
Austin
is named
Family buys The Austin
JeffFamily
Austin,buys
Sr. is named
President
First
and
State
Chairman
Bank in Big Sandy
First State
President
Bank in ofBigFirst
Sandy
National
of the Board
(originally
of First
chartered
State in 1947)
(originallyBank,
chartered
Jacksonville.
in 1947)
Bank, Frankston.
and First National Bank in and First1960
National Bank in
1946 Jacksonville. 1950s
Jacksonville.
1950s
Overview
Austin Bank Mobile
Convenient banking on the go!
3 ways to access your account
Mobile
App
Text Banking
Mobile
Browser
www.austinbank.com
3.1
Million
Total Assets
grew 5.99% in 2012
44%
$995
Million
2012 annual visits
8,857
Enroll now at www.austinbank.com/mobile
Your local bank wherever you are!
Customers enrolled in
Mobile Banking
Member FDIC
$1.4
Billion
Households with active
online banking
Total Loans reinvested in our
communities and businesses
$1.2 Billion
Total Deposits
grew 5.63% in 2012
7,992
Customers enrolled in new
Mobile Banking App
19%
33%
eStatement enrollment
increase in Likes
in 2012
Sign up through Austin Bank
online banking
www.facebook.com/austinbanktexas
1980 1980
Like us at
2009- 2013
5th Year Named
Best Companies to
Work for in Texas
19901990
stin Sr. acquires
Jeff Austin, Jr. becomes
Jeff Austin Jr. becomes
Operations begin
Operations
in
begin in Longview
Stockholders of
Stockholders
First National
of First John P. Williams
Austinis BanCorp, Inc., a Jeff Austin,
JeffJr.Austin
namedJr. named
y interest
President
in First of First National
President
Bank,
of First National
Longview as Texas
through
National
the purchaseBank,
of Jacksonville
National
approve
Bank, Jacksonville
named President
six bank holding company,ChairmanChairman
of the Board
of the
of Board of
al Bank,Jacksonville.
Jacksonville
Bank, Jacksonville. Bank with Joe Sharp,
East Texas
Jr. Bank andaTrust.
merger of the
approve
bank into
a merger
a
of the
of FNB, was established with
CherokeeCherokee
BanCorp.BanCorp.
comes Bank
Jeff Austin, Sr. continues
Jeff Austin
as Sr. continues
as President.
as
Bank name was changed
one-bank
to holding
bankcompany,
into a one-bank Whitehouse.approximately
1991
$365 million
1995
ent there.
Chairman of the Board.
Chairman
1969of the Board.
Texas National Bank Texas
with East BanCorp,
holdingInc.
company, Texas
in assets.
Ronny Lee is elected
-1960
1969
Bank enters Jeff Austin Sr. as Chairman
1984
East BanCorp, Inc. 1984
Cherokee BanCorp,
1992 Inc., a
President / CEO of
Tyler with
of the Board.
six bank holding company,
First National
acquisition
1984
is established with
Bank,
of FNB,
approximately
Jacksonville.
Whitehouse
$365 million
1995
and it’s Tyler
in assets.
location. 1984
1992
The sixThe
original
six original
banks banks
acquired
acquired
by Austin
by BanCorp
Austin BanCorp
changecombine
their name
charters
to and
Austin Bank.
become
Theone
sixbank
banks- Austin
include:Bank.
First This
National
included:
Bank,First
Jacksonville;
National
FirstBank
National
- Jacksonville;
Bank, Whitehouse;
First NationalTexas
Bank - WhiteNationalhouse;
Bank,Texas
Longview;
National Bank
First State
- Longview,
Bank, Rusk,
Gilmer & Grand
Big Sandy
Saline;
andFirst
Timpson.
State Bank 1996 Rusk, Big Sandy, Timpson
& Garrison. 1996
Service
443 employees
$661,130
Real Estate Taxes paid
with 3,605 years of tenure
37
18,005 hours of training
attended by employees in 2012
Scholarships
Awarded
To East Texas high school
students as part of the
Austin Bank
Commitment-to-Community
program that supports the
educational goals of area youth.
Recipients include 27 students
from the community and
10 students who are children
of Austin Bank employees.
193
Scholarships
Awarded
To East Texas students since the
program began in 2005
55 employees, with a total of 615 years of experience, were honored
at the 2012 Austin Bank Service Awards luncheon
2012 Community Involvement Awards
Austin Bank recognized five bank employees for volunteer
work to their community service organization.
Cathy Strickland East Texas Lightnin’ Special Olympics Delegation
Debbie Finley Salvation Army Women’s Auxiliary
Lynn Littlejohn Rusk High School Athletic Program
Brenda Williams and Debbie Braune Gateway to Hope
2000
The six original banks
acquired by Austin BanCorp
form one Charter with 17
offices.
Jeff Austin III elected
President of
First State
Bank,
Frankston.
1999
Jeff Austin III is named
Vice Chairman of the
Board.
Russ Gideon is elected
President of
First State
Bank,
Frankston.
2003
2010
John P. Williams is elected
President / CEO.
2006
Austin Bank acquires and
merges with City National
Bank. This adds five
locations - Gladewater,
Kilgore, and Longview
Pine Tree, Oak Forest and
Bar-K - while increasing
bank assets to over
$1 billion. 2008
The Austin Family celebrates
100 years of banking. 2009
First State Bank, Frankston including the Noonday
and Palestine locations merges with Austin Bank
bringing the Bank locations
to a total of 31 and assets
to $1.2 billion. 2010
®
Locations
31 banking locations in 21 cities and 10 counties
Website:
www.austinbank.com
Headquarters:
200 East Commerce St.,
P.O. Box 951
Jacksonville, TX 75766
903-586-1526
903-541-2086 (fax)
Parent Company: Austin Bancorp, Inc.
Date founded:
1900
For information: [email protected]
Contact: 31 Banking Locations
in 21 Cities
10 Counties
Big Sandy
Bullard
Emory
Frankston
Garrison
Gilmer
Gladewater
Grand Saline
Jacksonville (2)*
Kilgore
Longview (5)*
Marshall
Nacogdoches
Noonday
Palestine
Rusk
Timpson
Troup
Tyler (6)*
Van
Whitehouse
Anderson
Cherokee
Gregg
Harrison
Nacogdoches
Rains
Shelby
Smith
Upshur
Van Zandt
AUSTIN BANK DIRECTORS
Directors
Jeff Austin, Jr.
Jeff Austin III
Sissy Austin
Larry Bolton
Gene Brumbelow
Keith Chambers
Jane A. Chapman
Glen Hamilton
Chuck Hopson
Barry T. Hughes
Ronny Lee
Billy Mullins
Michael A. Neill
Robert Nichols
Joe Sharp, Jr.
John P. Williams
*Multiple banking locations
Member FDIC
www.FDIC.gov
Member of:
Patty Steelman; CFMP,
SVP/Director of Marketing
903-871-2519
[email protected]
Named
Advisory Directors
Glenn Bass
Todd Burton
Russ Gideon
Jason Petersen
Brenda Sharp
Rick Waldrop
Director Emeritus
Charles Creed
Marion Dingler
J. N. Grimes
C. S. Hinton, Jr
William M. Holland
Lowell Holloway
Ron Jurenka
Herbert Riley
Eddie Smith
J. W. Sparkman
Joe T. Terrell
Harry Tilley
Better Business Bureau
of Central East Texas
2006 Torch Award Recipient
12/12