TexStar National Bank in Universal City, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

TexStar National Bank - Overview

  • General
  • FDIC Certificate #: 57704
    Status: Active
    Federal Reserve ID: 3211937
    Bank Holding Company (Regulatory Top Holder): Texstar Bancshares, Inc. (RSSDID: 4091819, Location: Universal City, TX)
    Date Established: January 20, 2004
    WWW: http://www.texstar-bank.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: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 420288
    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: January 20, 2004
    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: 600 Pat Booker Rd., Universal City, TX 78148
    County: Bexar
    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
    Metropolitan Statistical Area (MSA): San Antonio, TX (#7240)
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $187.5 mil
    Equity capital: $19.7 mil
    Deposits held in domestic offices: $167.5 mil
    Return on assets (ROA): 0.73% ($1.4 mil)
    Quarterly return on assets: 0.81% ($1.5 mil)
    Return on Equity (ROE): 6.81% ($1.4 mil)
    Quarterly return on equity: 7.59% ($1.5 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.72% ($1,349.7 mil)
    Quarterly Pretax return on assets: 0.81% ($1,518.4 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
  • 41Total employees (full-time equivalent)
  • $187,454Total assets
  • $30,463Cash and due from depository institutions
  • $25,960Interest-bearing balances
  • $15,281Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $133,443Net loans & leases
  • $2,300Loan loss allowance
  • $0Trading account assets
  • $4,461Bank premises and fixed assets
  • $221Other real estate owned
  • $778Goodwill and other intangibles
  • $187,454Life insurance assets
  • $1,807All other assets
  • $167,785Total liabilities and capital
  • $167,484Total liabilities
  • $137,617Total deposits
  • $167,484Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $301Subordinated debt
  • $19,669All other liabilities
  • $19,669Total equity capital
  • $19,669Total bank equity capital
  • $0Perpetual preferred stock
  • $6,125Common stock
  • $9,959Surplus
  • $3,585Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $152Income earned, not collected on loans
  • $122Earning assets
  • $503Long-term assets (5+ years)
  • $175,684Average Assets, year-to-date
  • $40,639Average Assets, quarterly
  • $178,204Volatile liabilities
  • $183,295Insider loans
  • $131,234FHLB advances
  • $182,830Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,618Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,710Restructured Loans and leases
  • $1,852Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,204Total interest income
  • $1,402Total interest expense
  • $6,802Net interest income
  • $600Provision for loan and lease losses
  • $454Total noninterest income
  • $0Fiduciary activities
  • $264Service charges on deposit accounts
  • $0Trading account gains & fees
  • $190Additional noninterest income
  • $5,365Total noninterest expense
  • $3,040Salaries and employee benefits
  • $970Premises and equipment expense
  • $1,355Additional noninterest expense
  • $1,291Pre-tax net operating income
  • $0Securities gains (losses)
  • -$10Applicable income taxes
  • $1,301Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,301Net income attributable to bank
  • $0Net charge-offs
  • $1,301Cash dividends
  • $112Sale, conversion, retirement of capital stock, net
  • $332Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 6.81%Return on equity (ROE)
  • 5.07%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 535.71%Credit loss provision to net charge-offs
  • 16.88%Efficiency ratio
  • 73,139Assets per employee
  • 4.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.52%Loss allowance to loans
  • 1.69%Loss allowance to noncurrent loans
  • 1513.16%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 79.68%Net loans and leases to core deposits
  • 114.60%Equity capital to assets
  • 10.49%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 14.19%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $178,204Average earning assets
  • $19,117Average equity
  • $166,219Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0420288Texstar National Bank600 Pat Booker Rd., Universal City, TX 78148January 20, 2004Full Service Brick and Mortar
    1260016Converse Branch9154 Fm 78, Converse, TX 78109August 10, 1992Full Service Brick and Mortar
    2260017New Braunfels Branch555 Ih 35 South, Suite 100, New Braunfels, TX 78130November 01, 1996Full Service Brick and Mortar
    3260018Hwy 281 Branch9601 Mcallister Freeway, San Antonio, TX 78216May 05, 1997Full Service Brick and Mortar
    5492764San Antonio Cattleman's Branch803 W Commerce, San Antonio, TX 78207July 01, 2008Full Service Brick and Mortar

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