Stockmens National Bank in Cotulla in Cotulla, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Stockmens National Bank in Cotulla in Cotulla, Texas (TX)
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Stockmens National Bank in Cotulla - Overview

  • General
  • FDIC Certificate #: 14864
    Status: Active
    Federal Reserve ID: 818652
    Date Established: January 01, 1904
    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 #: 9304
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: November 10, 1934
    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: 206 North Main Street, Cotulla, TX 78014
    County: La Salle
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $91.3 mil
    Equity capital: $6.5 mil
    Deposits held in domestic offices: $84.7 mil
    Return on assets (ROA): 1.44% ($1.3 mil)
    Quarterly return on assets: 1.34% ($1.2 mil)
    Return on Equity (ROE): 17.20% ($1.2 mil)
    Quarterly return on equity: 16.63% ($1.2 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.44% ($1,314.1 mil)
    Quarterly Pretax return on assets: 1.34% ($1,222.9 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
  • 16Total employees (full-time equivalent)
  • $91,259Total assets
  • $6,100Cash and due from depository institutions
  • $500Interest-bearing balances
  • $29,886Securities
  • $35,000Federal funds sold & reverse repurchase agreements
  • $18,060Net loans & leases
  • $191Loan loss allowance
  • $0Trading account assets
  • $311Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $91,259Life insurance assets
  • $1,902All other assets
  • $84,753Total liabilities and capital
  • $84,677Total liabilities
  • $48,480Total deposits
  • $84,677Interest-bearing deposits
  • $67Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $76Subordinated debt
  • $6,506All other liabilities
  • $6,506Total equity capital
  • $6,506Total bank equity capital
  • $0Perpetual preferred stock
  • $290Common stock
  • $150Surplus
  • $6,066Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $360Long-term assets (5+ years)
  • $83,446Average Assets, year-to-date
  • $1,652Average Assets, quarterly
  • $71,737Volatile liabilities
  • $79,887Insider loans
  • $59,781FHLB advances
  • $70,384Loans and leases held for sale
  • $1,307Unused loan commitments
  • $1,307Tier 1 (core) risk-based capital
  • $6,126Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,815Restructured Loans and leases
  • $675Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,855Total interest income
  • $186Total interest expense
  • $1,669Net interest income
  • $0Provision for loan and lease losses
  • $465Total noninterest income
  • $0Fiduciary activities
  • $337Service charges on deposit accounts
  • $0Trading account gains & fees
  • $128Additional noninterest income
  • $1,195Total noninterest expense
  • $661Salaries and employee benefits
  • $160Premises and equipment expense
  • $374Additional noninterest expense
  • $939Pre-tax net operating income
  • $96Securities gains (losses)
  • $0Applicable income taxes
  • $1,035Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,035Net income attributable to bank
  • $0Net charge-offs
  • $1,035Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.84%Yield on earning assets
  • 0.29%Cost of funding earning assets
  • 2.56%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 1.83%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 17.20%Return on equity (ROE)
  • 17.20%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 134.14%Efficiency ratio
  • 55,998Assets per employee
  • 5.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.05%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
  • 21.33%Net loans and leases to core deposits
  • 23.94%Equity capital to assets
  • 7.13%Core capital (leverage) ratio
  • 8.70%Tier 1 risk-based capital ratio
  • 10.25%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $71,737Average earning assets
  • $6,018Average equity
  • $65,203Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09304Stockmens National Bank In Cotulla206 North Main Street, Cotulla, TX 78014January 01, 1904Full Service Brick and Mortar

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