Brazos Valley Bank, National Association in College Station, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Brazos Valley Bank, National Association - Overview

  • General
  • FDIC Certificate #: 57693
    Status: Active
    Federal Reserve ID: 3255098
    Date Established: July 26, 2004
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 419969
    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: July 26, 2004
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4030 Highway 6 South, College Station, TX 77845
    County: Brazos
    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): Bryan-College Station, TX (#1260)
    Core Based Statistical Area (CBSA): College Station-Bryan, TX (#17780)
    CBSA Metro Statistical Area: College Station-Bryan, TX (#17780)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $111.6 mil
    Equity capital: $12.1 mil
    Deposits held in domestic offices: $98.7 mil
    Return on assets (ROA): 0.11% ($0.1 mil)
    Quarterly return on assets: -0.05% (-$0.1 mil)
    Return on Equity (ROE): 1.10% ($0.1 mil)
    Quarterly return on equity: -0.46% (-$0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.11% ($122.8 mil)
    Quarterly Pretax return on assets: -0.05% (-$55.8 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
  • 29Total employees (full-time equivalent)
  • $111,616Total assets
  • $22,900Cash and due from depository institutions
  • $17,311Interest-bearing balances
  • $10,618Securities
  • $780Federal funds sold & reverse repurchase agreements
  • $71,445Net loans & leases
  • $2,217Loan loss allowance
  • $0Trading account assets
  • $1,909Bank premises and fixed assets
  • $1,687Other real estate owned
  • $0Goodwill and other intangibles
  • $111,617Life insurance assets
  • $2,277All other assets
  • $99,471Total liabilities and capital
  • $98,693Total liabilities
  • $83,088Total deposits
  • $98,693Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $500Trading liabilities
  • $0Other borrowed funds
  • $278Subordinated debt
  • $12,146All other liabilities
  • $12,146Total equity capital
  • $12,146Total bank equity capital
  • $0Perpetual preferred stock
  • $7,797Common stock
  • $6,799Surplus
  • $-2,450Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,980Income earned, not collected on loans
  • $0Earning assets
  • $351Long-term assets (5+ years)
  • $100,154Average Assets, year-to-date
  • $12,982Average Assets, quarterly
  • $119,019Volatile liabilities
  • $112,505Insider loans
  • $74,014FHLB advances
  • $113,407Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,985Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,274Restructured Loans and leases
  • $436Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,694Total interest income
  • $1,195Total interest expense
  • $4,499Net interest income
  • $95Provision for loan and lease losses
  • $743Total noninterest income
  • $0Fiduciary activities
  • $502Service charges on deposit accounts
  • $0Trading account gains & fees
  • $241Additional noninterest income
  • $4,993Total noninterest expense
  • $1,945Salaries and employee benefits
  • $849Premises and equipment expense
  • $2,199Additional noninterest expense
  • $154Pre-tax net operating income
  • -$22Securities gains (losses)
  • $0Applicable income taxes
  • $132Income before extraordinary items
  • $0Extraordinary gains - net
  • $132Net income attributable to bank
  • $0Net charge-offs
  • $132Cash dividends
  • $398Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 1.11%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 4.63%Noninterest expense to earning assets
  • 0.13%Net operating income to assets
  • 0.11%Return on assets (ROA)
  • 0.11%Pretax return on assets
  • 1.10%Return on equity (ROE)
  • 1.10%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 23.87%Credit loss provision to net charge-offs
  • 0.63%Efficiency ratio
  • 95,250Assets per employee
  • 3.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.01%Loss allowance to noncurrent loans
  • 55.70%Noncurrent assets plus other real estate owned to assets
  • 5.08%Noncurrent loans to loans
  • 5.40%Net loans and leases to deposits
  • 72.39%Net loans and leases to core deposits
  • 75.48%Equity capital to assets
  • 10.88%Core capital (leverage) ratio
  • 10.57%Tier 1 risk-based capital ratio
  • 16.19%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $119,019Average earning assets
  • $11,947Average equity
  • $107,763Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0419969Brazos Valley Bank, National Association4030 Highway 6 South, College Station, TX 77845July 26, 2004Full Service Brick and Mortar
    1433216Messenger Service4030 Highway 6 South, College Station, TX 77845November 09, 2004Limited Service Messenger
    2479352Brazos Valley Bank Branch1119 E. Villa Maria Road, Bryan, TX 77802March 03, 2008Full Service Brick and Mortar

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