Balcones Bank, S.S.B. in San Marcos, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 05, 2005

  • Balcones Bank, S.S.B. in San Marcos, Texas (TX)
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Balcones Bank, S.S.B. - Overview

  • General
  • FDIC Certificate #: 32004
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Broadway National Bank (#15797)
    Federal Reserve ID: 569972
    Date Established: January 01, 1978
    WWW: http://www.balconesbank.com
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 7723
    FDIC's unique #: 44838
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 03, 1980
    Last Structure Change Effective Date: November 05, 2005
    Last Structure Change Process Date: November 15, 2005
    Last Data Update: November 15, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 North C M Allen Parkway, San Marcos, TX 78666
    County: Hays
    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)
  • Financial Summary
  • Total assets: $103.4 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, 2004)

  • Dollar figures in thousands
  • 55Total employees (full-time equivalent)
  • $113,574Total assets
  • $6,053Cash and due from depository institutions
  • $3,973Interest-bearing balances
  • $43,706Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $58,224Net loans & leases
  • $510Loan loss allowance
  • $0Trading account assets
  • $2,780Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,811All other assets
  • $113,574Total liabilities and capital
  • $105,060Total liabilities
  • $61,339Total deposits
  • $51,761Interest-bearing deposits
  • $61,339Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $43,561Other borrowed funds
  • $0Subordinated debt
  • $160All other liabilities
  • $8,514Total equity capital
  • $8,514Total bank equity capital
  • $8,514Perpetual preferred stock
  • $0Common stock
  • $5,954Surplus
  • $2,587Undivided profits
  • Memoranda
  • $-27Noncurrent loans and leases
  • $177Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $233Earning assets
  • $0Long-term assets (5+ years)
  • $381Average Assets, year-to-date
  • $105,903Average Assets, quarterly
  • $12,629Volatile liabilities
  • $111,675Insider loans
  • $111,345FHLB advances
  • $38,691Loans and leases held for sale
  • $324Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $177Total unused commitments
  • $0Restructured Loans and leases
  • $510Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $4,955Total interest income
  • $1,324Total interest expense
  • $3,631Net interest income
  • -$180Provision for loan and lease losses
  • $919Total noninterest income
  • $0Fiduciary activities
  • $644Service charges on deposit accounts
  • $0Trading account gains & fees
  • $275Additional noninterest income
  • $3,737Total noninterest expense
  • $2,173Salaries and employee benefits
  • $515Premises and equipment expense
  • $1,049Additional noninterest expense
  • $993Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $993Income before extraordinary items
  • $0Extraordinary gains - net
  • $993Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $822Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 1.28%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 11.97%Return on equity (ROE)
  • 2.06%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • -6000.00%Credit loss provision to net charge-offs
  • 271.00%Efficiency ratio
  • 82,132Assets per employee
  • 2.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.78%Loss allowance to loans
  • 0.87%Loss allowance to noncurrent loans
  • 218.88%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 94.92%Net loans and leases to core deposits
  • 102.17%Equity capital to assets
  • 7.50%Core capital (leverage) ratio
  • 7.70%Tier 1 risk-based capital ratio
  • 14.41%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $111,675Average earning assets
  • $8,294Average equity
  • $103,173Average loans

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