Bank of Kerrville in Kerrville, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 19, 1993

  • Bank of Kerrville in Kerrville, Texas (TX)
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Bank of Kerrville - Overview

  • General
  • FDIC Certificate #: 27378
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Norwest Bank Texas, Kerrville, National Association (#9013)
    Federal Reserve ID: 1224830
    Date Established: November 17, 1988
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 39706
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 17, 1988
    Last Structure Change Effective Date: July 19, 1993
    Last Structure Change Process Date: August 04, 1993
    Last Data Update: August 04, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 Sidney Baker South, Kerrville, TX 78028
    County: Kerr
    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
    Core Based Statistical Area (CBSA): Kerrville, TX (#28500)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $51.7 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $26Total assets
  • $52,041Cash and due from depository institutions
  • $5,264Interest-bearing balances
  • $990Securities
  • $19,581Federal funds sold & reverse repurchase agreements
  • $3,300Net loans & leases
  • $20,635Loan loss allowance
  • $768Trading account assets
  • $0Bank premises and fixed assets
  • $2,301Other real estate owned
  • $624Goodwill and other intangibles
  • $336Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $52,041Total liabilities
  • $48,437Total deposits
  • $48,283Interest-bearing deposits
  • $41,177Deposits held in domestic offices
  • 48283.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $154Total equity capital
  • $154Total bank equity capital
  • $3,604Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,000Undivided profits
  • Memoranda
  • $1,604Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $474Income earned, not collected on loans
  • $150Earning assets
  • $44,506Long-term assets (5+ years)
  • $4,184Average Assets, year-to-date
  • $49,429Average Assets, quarterly
  • $50,411Volatile liabilities
  • $2,000Insider loans
  • $1,121FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,243Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,604Total risk weighted assets
  • $24,667Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,865Total interest expense
  • $1,466Net interest income
  • $2,399Provision for loan and lease losses
  • $0Total noninterest income
  • $777Fiduciary activities
  • $0Service charges on deposit accounts
  • $391Trading account gains & fees
  • $0Additional noninterest income
  • $386Total noninterest expense
  • $2,176Salaries and employee benefits
  • $740Premises and equipment expense
  • $264Additional noninterest expense
  • $1,172Pre-tax net operating income
  • $1,000Securities gains (losses)
  • $102Applicable income taxes
  • $375Income before extraordinary items
  • $727Extraordinary gains - net
  • $375Net income attributable to bank
  • $1,102Net charge-offs
  • -$18Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.01%Cost of funding earning assets
  • 3.42%Net interest margin
  • 5.59%Noninterest income to earning assets
  • 1.81%Noninterest expense to earning assets
  • 5.07%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 2.23%Pretax return on assets
  • 2.99%Return on equity (ROE)
  • 35.25%Retained earnings to average equity (YTD only)
  • 35.25%Net charge-offs to loans
  • -0.08%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,514Assets per employee
  • 2.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.59%Loss allowance to noncurrent loans
  • 162.03%Noncurrent assets plus other real estate owned to assets
  • 2.11%Noncurrent loans to loans
  • 2.21%Net loans and leases to deposits
  • 42.74%Net loans and leases to core deposits
  • 44.58%Equity capital to assets
  • 6.93%Core capital (leverage) ratio
  • 7.15%Tier 1 risk-based capital ratio
  • 14.61%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $49,429Average earning assets
  • $3,127Average equity
  • $42,894Average loans

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