Border Capital Bank, National Association in Mcallen, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Border Capital Bank, National Association in Mcallen, Texas (TX)
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Border Capital Bank, National Association - Overview

  • General
  • FDIC Certificate #: 24935
    Status: Active
    Federal Reserve ID: 831857
    Bank Holding Company (Regulatory Top Holder): Border Capital Group, Inc. (RSSDID: 2984092, Location: Mcallen, TX)
    Date Established: January 19, 1984
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 17279
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 19, 1984
    Last Structure Change Effective Date: January 01, 2007
    Last Structure Change Process Date: January 12, 2007
    Last Data Update: January 12, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1801 South Mccoll Road, Mcallen, TX 78502
    County: Hidalgo
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): McAllen-Edinburg-Mission, TX (#4880)
    Core Based Statistical Area (CBSA): McAllen-Edinburg-Mission, TX (#32580)
    CBSA Metro Statistical Area: McAllen-Edinburg-Mission, TX (#32580)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $167.8 mil
    Equity capital: $21.8 mil
    Deposits held in domestic offices: $142.5 mil
    Return on assets (ROA): 0.44% ($0.7 mil)
    Quarterly return on assets: 0.51% ($0.9 mil)
    Return on Equity (ROE): 3.49% ($0.8 mil)
    Quarterly return on equity: 3.92% ($0.9 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.62% ($1,040.3 mil)
    Quarterly Pretax return on assets: 0.72% ($1,208.1 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, 2011)

  • Dollar figures in thousands
  • 65Total employees (full-time equivalent)
  • $167,790Total assets
  • $15,066Cash and due from depository institutions
  • $10,973Interest-bearing balances
  • $28,798Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $99,912Net loans & leases
  • $2,753Loan loss allowance
  • $0Trading account assets
  • $9,375Bank premises and fixed assets
  • $5,361Other real estate owned
  • $0Goodwill and other intangibles
  • $167,790Life insurance assets
  • $9,278All other assets
  • $145,984Total liabilities and capital
  • $142,504Total liabilities
  • $107,793Total deposits
  • $142,504Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,684Trading liabilities
  • $0Other borrowed funds
  • $1,796Subordinated debt
  • $21,806All other liabilities
  • $21,806Total equity capital
  • $21,806Total bank equity capital
  • $0Perpetual preferred stock
  • $3,065Common stock
  • $11,675Surplus
  • $7,066Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,871Income earned, not collected on loans
  • $0Earning assets
  • $526Long-term assets (5+ years)
  • $139,683Average Assets, year-to-date
  • $24,054Average Assets, quarterly
  • $170,935Volatile liabilities
  • $168,044Insider loans
  • $120,954FHLB advances
  • $167,707Loans and leases held for sale
  • $4,450Unused loan commitments
  • $4,450Tier 1 (core) risk-based capital
  • $21,335Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,400Restructured Loans and leases
  • $1,791Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,379Total interest income
  • $1,166Total interest expense
  • $6,213Net interest income
  • $450Provision for loan and lease losses
  • $3,037Total noninterest income
  • $1,798Fiduciary activities
  • $577Service charges on deposit accounts
  • $0Trading account gains & fees
  • $662Additional noninterest income
  • $7,786Total noninterest expense
  • $3,918Salaries and employee benefits
  • $1,136Premises and equipment expense
  • $2,732Additional noninterest expense
  • $1,014Pre-tax net operating income
  • $39Securities gains (losses)
  • $309Applicable income taxes
  • $744Income before extraordinary items
  • $0Extraordinary gains - net
  • $744Net income attributable to bank
  • $0Net charge-offs
  • $744Cash dividends
  • $1,003Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.31%Net interest margin
  • 2.11%Noninterest income to earning assets
  • 5.40%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 3.49%Return on equity (ROE)
  • 3.49%Retained earnings to average equity (YTD only)
  • 0.93%Net charge-offs to loans
  • 44.87%Credit loss provision to net charge-offs
  • 1.46%Efficiency ratio
  • 84,173Assets per employee
  • 2.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.68%Loss allowance to noncurrent loans
  • 34.98%Noncurrent assets plus other real estate owned to assets
  • 7.89%Noncurrent loans to loans
  • 7.67%Net loans and leases to deposits
  • 70.11%Net loans and leases to core deposits
  • 75.98%Equity capital to assets
  • 13.00%Core capital (leverage) ratio
  • 12.72%Tier 1 risk-based capital ratio
  • 17.64%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $170,935Average earning assets
  • $21,305Average equity
  • $144,092Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $153,383Managed Assets
  • 1Number of Accounts
  • $122,892Personal trust and agency accounts
  • $111,276Employee benefit-defined contribution accounts
  • $2,609Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $925Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $7,507Other fiduciary accounts
  • $575Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 311Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $30,491Other retirement accounts
  • $219Corporate trust and agency accounts
  • $154Other fiduciary accounts
  • $20,752Fiduciary accounts held in foreign offices

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017279Border Capital Bank, National Association1801 South Mccoll Road, Mcallen, TX 78502January 19, 1984Full Service Brick and Mortar
    1360700Mc Allen Branch5201 North 23 Street, Mcallen, TX 78504April 18, 2001Full Service Brick and Mortar
    2428053Edinburg Branch4925 S. Mccoll, Edinburg, TX 78539Febuary 02, 2004Full Service Brick and Mortar
    3478918Second Street Branch2111 S. Col Rowe Blvd, Mcallen, TX 78503June 23, 2008Full Service Brick and Mortar

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