Capital Bank of Texas in Carrizo Springs, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Capital Bank of Texas - Overview

  • General
  • FDIC Certificate #: 57495
    Status: Active
    Federal Reserve ID: 3134399
    Date Established: May 09, 2003
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 364331
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: May 09, 2003
    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: 200 North Fifth Street, Carrizo Springs, TX 78834
    County: Dimmit
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $54.0 mil
    Equity capital: $7.6 mil
    Deposits held in domestic offices: $45.7 mil
    Return on assets (ROA): 0.79% ($0.4 mil)
    Quarterly return on assets: 0.49% ($0.3 mil)
    Return on Equity (ROE): 5.66% ($0.5 mil)
    Quarterly return on equity: 3.50% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.17% ($632.1 mil)
    Quarterly Pretax return on assets: 0.68% ($367.4 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
  • 22Total employees (full-time equivalent)
  • $54,027Total assets
  • $24,333Cash and due from depository institutions
  • $20,262Interest-bearing balances
  • $8,469Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $19,976Net loans & leases
  • $223Loan loss allowance
  • $0Trading account assets
  • $355Bank premises and fixed assets
  • $0Other real estate owned
  • $616Goodwill and other intangibles
  • $54,027Life insurance assets
  • $278All other assets
  • $46,457Total liabilities and capital
  • $45,708Total liabilities
  • $25,100Total deposits
  • $45,708Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $500Trading liabilities
  • $0Other borrowed funds
  • $249Subordinated debt
  • $7,570All other liabilities
  • $7,570Total equity capital
  • $7,570Total bank equity capital
  • $0Perpetual preferred stock
  • $2,506Common stock
  • $2,511Surplus
  • $2,553Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $87Long-term assets (5+ years)
  • $48,707Average Assets, year-to-date
  • $8,194Average Assets, quarterly
  • $52,915Volatile liabilities
  • $54,356Insider loans
  • $17,596FHLB advances
  • $53,992Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,946Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,827Restructured Loans and leases
  • $2,040Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,547Total interest income
  • $158Total interest expense
  • $1,389Net interest income
  • $0Provision for loan and lease losses
  • $719Total noninterest income
  • $0Fiduciary activities
  • $394Service charges on deposit accounts
  • $0Trading account gains & fees
  • $325Additional noninterest income
  • $1,756Total noninterest expense
  • $856Salaries and employee benefits
  • $141Premises and equipment expense
  • $759Additional noninterest expense
  • $352Pre-tax net operating income
  • $269Securities gains (losses)
  • $203Applicable income taxes
  • $418Income before extraordinary items
  • $0Extraordinary gains - net
  • $418Net income attributable to bank
  • $0Net charge-offs
  • $418Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.19%Yield on earning assets
  • 0.33%Cost of funding earning assets
  • 2.87%Net interest margin
  • 1.48%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 5.66%Return on equity (ROE)
  • 5.66%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 352.00%Efficiency ratio
  • 83,302Assets per employee
  • 2.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 43.70%Net loans and leases to core deposits
  • 44.19%Equity capital to assets
  • 14.01%Core capital (leverage) ratio
  • 12.86%Tier 1 risk-based capital ratio
  • 39.47%Total risk-based capital ratio
  • Memoranda
  • $41Average assets
  • $52,915Average earning assets
  • $7,380Average equity
  • $48,463Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0364331Capital Bank Of Texas200 North Fifth Street, Carrizo Springs, TX 78834May 09, 2003Full Service Brick and Mortar
    3255002Crystal City Branch925 N. Veterans Blvd., Crystal City, TX 78839September 24, 1993Full Service Brick and Mortar

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