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

Guadalupe National Bank - Overview

  • General
  • FDIC Certificate #: 58768
    Status: Active
    Federal Reserve ID: 3635551
    Bank Holding Company (Regulatory Top Holder): Relationship Financial Corporation (RSSDID: 3635560, Location: Kerrville, TX)
    Date Established: March 17, 2008
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 467484
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 17, 2008
    Last Structure Change Effective Date: Febuary 23, 2010
    Last Structure Change Process Date: June 25, 2010
    Last Data Update: June 25, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1309 Bandera Hwy, 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: $90.0 mil
    Equity capital: $8.4 mil
    Deposits held in domestic offices: $81.6 mil
    Return on assets (ROA): 0.23% ($0.2 mil)
    Quarterly return on assets: -0.25% (-$0.2 mil)
    Return on Equity (ROE): 2.30% ($0.2 mil)
    Quarterly return on equity: -2.61% (-$0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.23% ($207.0 mil)
    Quarterly Pretax return on assets: -0.25% (-$225.0 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
  • 38Total employees (full-time equivalent)
  • $90,017Total assets
  • $21,874Cash and due from depository institutions
  • $20,199Interest-bearing balances
  • $3,677Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $58,560Net loans & leases
  • $770Loan loss allowance
  • $0Trading account assets
  • $4,492Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $90,017Life insurance assets
  • $914All other assets
  • $81,628Total liabilities and capital
  • $81,561Total liabilities
  • $65,897Total deposits
  • $81,561Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $67Subordinated debt
  • $8,389All other liabilities
  • $8,389Total equity capital
  • $8,389Total bank equity capital
  • $0Perpetual preferred stock
  • $3,600Common stock
  • $6,500Surplus
  • $-1,711Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,432Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $274Long-term assets (5+ years)
  • $82,936Average Assets, year-to-date
  • $23,231Average Assets, quarterly
  • $82,627Volatile liabilities
  • $86,807Insider loans
  • $62,625FHLB advances
  • $87,485Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,343Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,576Restructured Loans and leases
  • $3,833Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,498Total interest income
  • $552Total interest expense
  • $2,946Net interest income
  • $73Provision for loan and lease losses
  • $2,320Total noninterest income
  • $0Fiduciary activities
  • $131Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,189Additional noninterest income
  • $5,001Total noninterest expense
  • $3,027Salaries and employee benefits
  • $452Premises and equipment expense
  • $1,522Additional noninterest expense
  • $192Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $192Income before extraordinary items
  • $0Extraordinary gains - net
  • $192Net income attributable to bank
  • $0Net charge-offs
  • $192Cash 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)
  • 4.62%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 3.89%Net interest margin
  • 3.06%Noninterest income to earning assets
  • 6.60%Noninterest expense to earning assets
  • 0.23%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.23%Pretax return on assets
  • 2.30%Return on equity (ROE)
  • 2.30%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 7300.00%Credit loss provision to net charge-offs
  • 265.00%Efficiency ratio
  • 94,968Assets per employee
  • 2.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.30%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
  • 71.80%Net loans and leases to core deposits
  • 72.58%Equity capital to assets
  • 9.32%Core capital (leverage) ratio
  • 9.54%Tier 1 risk-based capital ratio
  • 13.32%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $82,627Average earning assets
  • $8,345Average equity
  • $75,716Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0467484Guadalupe National Bank1309 Bandera Hwy, Kerrville, TX 78028March 17, 2008Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Guadalupe National Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents