Kleberg First National Bank of Kingsville in Kingsville, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Kleberg First National Bank of Kingsville - Overview

  • General
  • FDIC Certificate #: 3286
    Status: Active
    Federal Reserve ID: 556459
    Bank Holding Company (Regulatory Top Holder): Kleberg And Company Bankers, Inc. (RSSDID: 1104325, Location: Kingsville, TX)
    Date Established: January 01, 1926
    WWW: http://www.klebergbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Domestic: 11, Interstate: No)
    FDIC's unique #: 2125
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 17, 2007
    Last Structure Change Process Date: Febuary 23, 2007
    Last Data Update: Febuary 23, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 East Kleberg Street, Kingsville, TX 78363
    County: Kleberg
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Corpus Christi-Kingsville, TX (#204)
    Core Based Statistical Area (CBSA): Kingsville, TX (#28780)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $429.4 mil
    Equity capital: $55.5 mil
    Deposits held in domestic offices: $345.4 mil
    Return on assets (ROA): 1.26% ($5.4 mil)
    Quarterly return on assets: 0.93% ($4.0 mil)
    Return on Equity (ROE): 9.31% ($5.2 mil)
    Quarterly return on equity: 7.04% ($3.9 mil)
    Net income: $5.1 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.26% ($5,410.1 mil)
    Quarterly Pretax return on assets: 0.93% ($3,993.2 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
  • 186Total employees (full-time equivalent)
  • $429,374Total assets
  • $20,882Cash and due from depository institutions
  • $3,662Interest-bearing balances
  • $154,135Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $216,038Net loans & leases
  • $3,000Loan loss allowance
  • $0Trading account assets
  • $4,502Bank premises and fixed assets
  • $55Other real estate owned
  • $20,626Goodwill and other intangibles
  • $429,374Life insurance assets
  • $13,136All other assets
  • $373,832Total liabilities and capital
  • $345,442Total liabilities
  • $250,950Total deposits
  • $345,442Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 9937.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,100Trading liabilities
  • $0Other borrowed funds
  • $3,353Subordinated debt
  • $55,542All other liabilities
  • $55,542Total equity capital
  • $55,542Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $33,048Surplus
  • $20,994Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,672Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,741Income earned, not collected on loans
  • $0Earning assets
  • $1,599Long-term assets (5+ years)
  • $373,835Average Assets, year-to-date
  • $200,019Average Assets, quarterly
  • $399,569Volatile liabilities
  • $421,565Insider loans
  • $219,166FHLB advances
  • $394,523Loans and leases held for sale
  • $7,675Unused loan commitments
  • $7,675Tier 1 (core) risk-based capital
  • $32,190Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $48,395Restructured Loans and leases
  • $1,265Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,859Total interest income
  • $1,594Total interest expense
  • $16,265Net interest income
  • $1,187Provision for loan and lease losses
  • $7,215Total noninterest income
  • $0Fiduciary activities
  • $3,629Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,586Additional noninterest income
  • $17,462Total noninterest expense
  • $9,577Salaries and employee benefits
  • $2,182Premises and equipment expense
  • $5,703Additional noninterest expense
  • $4,831Pre-tax net operating income
  • $222Securities gains (losses)
  • $0Applicable income taxes
  • $5,053Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,053Net income attributable to bank
  • $0Net charge-offs
  • $5,053Cash dividends
  • $957Sale, conversion, retirement of capital stock, net
  • $2,994Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 4.71%Net interest margin
  • 2.09%Noninterest income to earning assets
  • 5.06%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 9.31%Return on equity (ROE)
  • 3.80%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 124.03%Credit loss provision to net charge-offs
  • 6.29%Efficiency ratio
  • 72,313Assets per employee
  • 2.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.25%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 172.31%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 0.79%Net loans and leases to deposits
  • 62.54%Net loans and leases to core deposits
  • 62.54%Equity capital to assets
  • 12.94%Core capital (leverage) ratio
  • 8.16%Tier 1 risk-based capital ratio
  • 14.69%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $399,569Average earning assets
  • $54,249Average equity
  • $345,042Average loans

List of branches

  • 11 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02125Kleberg First National Bank Of Kings100 East Kleberg Street, Kingsville, TX 78363January 01, 1926Full Service Brick and Mortar
    2196322Kleberg Texas Walmart Branch1133 East General Cavazos Boulevard, Kingsville, TX 78363June 28, 1999Full Service Retail
    3357468H.E.b. Branch409 East Kleberg Avenue, Kingsville, TX 78363July 24, 2000Full Service Retail
    4430215H.E.b. Annaville Branch11100 Leopard, Corpus Christi, TX 78410July 15, 2003Full Service Retail
    5439976Kleberg First National Bank - Heb Al3133 South Alamedia, Corpus Christi, TX 78404Febuary 17, 2005Full Service Retail
    6439977Kleberg First National Bank - Heb Fl1145 Waldron Road, Corpus Christi, TX 78418March 19, 2005Full Service Retail
    7445516Kleberg National Bank - Heb Saratoga5313 Saratoga, Corpus Christi, TX 78413October 14, 2005Full Service Retail
    8362352Baldwin Branch4102 Baldwin, Corpus Christi, TX 78405July 26, 2001Full Service Brick and Mortar
    9225985Airline Branch2037 Airline Road, Corpus Christi, TX 78412December 01, 1993Full Service Brick and Mortar
    10225986Morgan Avenue Branch2603 Morgan Avenue, Corpus Christi, TX 78405January 02, 1996Full Service Brick and Mortar
    11459477Ayers Branch4211 Ayers Street, Corpus Christi, TX 78415Febuary 17, 2007Full Service Brick and Mortar

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