San Antonio National Bank in Refugio, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

San Antonio National Bank - Overview

  • General
  • FDIC Certificate #: 3405
    Status: Active
    Federal Reserve ID: 26765
    Bank Holding Company (Regulatory Top Holder): Family Bancorp, Inc. (RSSDID: 3551080, Location: San Antonio, TX)
    Date Established: November 06, 1923
    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: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12836
    FDIC's unique #: 2218
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 17, 2012
    Last Structure Change Process Date: Febuary 29, 2012
    Last Data Update: Febuary 29, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 East Plasuela Street, Refugio, TX 78377
    County: Refugio
    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
  • Financial Summary
  • Total assets: $250.7 mil
    Equity capital: $26.0 mil
    Deposits held in domestic offices: $223.1 mil
    Return on assets (ROA): -1.04% (-$2.6 mil)
    Quarterly return on assets: -0.81% (-$2.0 mil)
    Return on Equity (ROE): -9.29% (-$2.4 mil)
    Quarterly return on equity: -7.35% (-$1.9 mil)
    Net income: -$2.4 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -1.04% (-$2,607.7 mil)
    Quarterly Pretax return on assets: -0.81% (-$2,031.0 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
  • 73Total employees (full-time equivalent)
  • $250,739Total assets
  • $43,870Cash and due from depository institutions
  • $38,692Interest-bearing balances
  • $32,139Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $162,006Net loans & leases
  • $3,847Loan loss allowance
  • $0Trading account assets
  • $3,694Bank premises and fixed assets
  • $2,321Other real estate owned
  • $2,843Goodwill and other intangibles
  • $250,739Life insurance assets
  • $3,866All other assets
  • $224,756Total liabilities and capital
  • $223,094Total liabilities
  • $190,455Total deposits
  • $223,094Interest-bearing deposits
  • $64Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,662Subordinated debt
  • $25,983All other liabilities
  • $25,983Total equity capital
  • $25,983Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $59,427Surplus
  • $-35,444Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,167Income earned, not collected on loans
  • $0Earning assets
  • $581Long-term assets (5+ years)
  • $232,837Average Assets, year-to-date
  • $52,965Average Assets, quarterly
  • $229,827Volatile liabilities
  • $237,928Insider loans
  • $154,756FHLB advances
  • $240,901Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,421Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,162Restructured Loans and leases
  • $4,247Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,947Total interest income
  • $1,758Total interest expense
  • $9,189Net interest income
  • $395Provision for loan and lease losses
  • $26Total noninterest income
  • $0Fiduciary activities
  • $540Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$514Additional noninterest income
  • $11,584Total noninterest expense
  • $5,435Salaries and employee benefits
  • $2,254Premises and equipment expense
  • $3,895Additional noninterest expense
  • -$2,764Pre-tax net operating income
  • $385Securities gains (losses)
  • $0Applicable income taxes
  • -$2,379Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,379Net income attributable to bank
  • $0Net charge-offs
  • -$2,379Cash dividends
  • $277Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 4.33%Net interest margin
  • 0.01%Noninterest income to earning assets
  • 5.46%Noninterest expense to earning assets
  • -1.20%Net operating income to assets
  • -1.04%Return on assets (ROA)
  • -1.04%Pretax return on assets
  • -9.29%Return on equity (ROE)
  • -9.29%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 142.60%Credit loss provision to net charge-offs
  • -8.55%Efficiency ratio
  • 124,840Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.32%Loss allowance to noncurrent loans
  • 62.38%Noncurrent assets plus other real estate owned to assets
  • 3.39%Noncurrent loans to loans
  • 3.72%Net loans and leases to deposits
  • 72.62%Net loans and leases to core deposits
  • 78.64%Equity capital to assets
  • 10.36%Core capital (leverage) ratio
  • 9.72%Tier 1 risk-based capital ratio
  • 15.13%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $229,827Average earning assets
  • $25,597Average equity
  • $211,985Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02218San Antonio National Bank111 East Plasuela Street, Refugio, TX 78377November 06, 1923Full Service Brick and Mortar
    1473120San Antonio National Bank1935 Sw Military Drive Suite 101, San Antonio, TX 78221October 10, 2007Full Service Brick and Mortar
    6480093Stone Oak Branch18698 Tuscany Stone, San Antonio, TX 78258April 15, 2008Full Service Brick and Mortar
    9493034West Village Branch220 West Village, Laredo, TX 78041January 26, 2009Full Service Brick and Mortar
    10493035Centre Plaza Branch45 Ne Loop 410, San Antonio, TX 78216July 16, 2008Full Service Brick and Mortar
    11511442Mcallen Branch901 South 10th Street, Mcallen, TX 78501March 01, 2010Full Service Brick and Mortar

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