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
    WWW: http://www.guadalupenational.com
    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

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