Castroville State Bank in Castroville, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Castroville State Bank - Overview

  • General
  • FDIC Certificate #: 17979
    Status: Active
    Federal Reserve ID: 742056
    Date Established: April 02, 1959
    WWW: http://www.castrovillestatebank.com
    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 #: 11910
    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: April 02, 1959
    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: Paris And Lorenzo, Castroville, TX 78009
    County: Medina
    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): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $112.7 mil
    Equity capital: $11.4 mil
    Deposits held in domestic offices: $98.2 mil
    Return on assets (ROA): 1.05% ($1.2 mil)
    Quarterly return on assets: 1.11% ($1.3 mil)
    Return on Equity (ROE): 10.89% ($1.2 mil)
    Quarterly return on equity: 10.85% ($1.2 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.31% ($1,476.5 mil)
    Quarterly Pretax return on assets: 1.41% ($1,589.2 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
  • 20Total employees (full-time equivalent)
  • $112,708Total assets
  • $4,996Cash and due from depository institutions
  • $0Interest-bearing balances
  • $56,884Securities
  • $3,000Federal funds sold & reverse repurchase agreements
  • $44,510Net loans & leases
  • $437Loan loss allowance
  • $0Trading account assets
  • $2,052Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $112,708Life insurance assets
  • $1,266All other assets
  • $101,311Total liabilities and capital
  • $98,194Total liabilities
  • $84,322Total deposits
  • $98,194Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,400Trading liabilities
  • $0Other borrowed funds
  • $717Subordinated debt
  • $11,397All other liabilities
  • $11,397Total equity capital
  • $11,397Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $5,000Surplus
  • $6,097Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $62Income earned, not collected on loans
  • $0Earning assets
  • $698Long-term assets (5+ years)
  • $104,394Average Assets, year-to-date
  • $55,165Average Assets, quarterly
  • $112,811Volatile liabilities
  • $112,000Insider loans
  • $52,981FHLB advances
  • $112,454Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,142Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,118Restructured Loans and leases
  • $207Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,423Total interest income
  • $997Total interest expense
  • $3,426Net interest income
  • $80Provision for loan and lease losses
  • $663Total noninterest income
  • $0Fiduciary activities
  • $422Service charges on deposit accounts
  • $0Trading account gains & fees
  • $241Additional noninterest income
  • $2,531Total noninterest expense
  • $1,338Salaries and employee benefits
  • $296Premises and equipment expense
  • $897Additional noninterest expense
  • $1,478Pre-tax net operating income
  • $0Securities gains (losses)
  • $298Applicable income taxes
  • $1,180Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,180Net income attributable to bank
  • $0Net charge-offs
  • $1,180Cash dividends
  • $204Sale, conversion, retirement of capital stock, net
  • $525Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.24%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 10.89%Return on equity (ROE)
  • 6.05%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 39.22%Credit loss provision to net charge-offs
  • 7.64%Efficiency ratio
  • 61,898Assets per employee
  • 5.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.49%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 704.84%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 45.33%Net loans and leases to core deposits
  • 53.49%Equity capital to assets
  • 10.11%Core capital (leverage) ratio
  • 9.02%Tier 1 risk-based capital ratio
  • 19.14%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $112,811Average earning assets
  • $10,831Average equity
  • $104,436Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011910Castroville State BankParis And Lorenzo, Castroville, TX 78009April 02, 1959Full Service Brick and Mortar
    1478274Castroville State Bank-Branch 1 Bran115 Cr 4718, Castroville, TX 78009September 29, 2007Full Service Brick and Mortar

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