Texas Champion Bank in Alice, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Texas Champion Bank - Overview

  • General
  • FDIC Certificate #: 11159
    Status: Active
    Federal Reserve ID: 579364
    Bank Holding Company (Regulatory Top Holder): Mesquite Financial Services, Inc. (RSSDID: 2314260, Location: Alice, TX)
    Date Established: August 12, 1912
    WWW: http://www.texaschampionbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    FDIC's unique #: 7121
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 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: 801 North Texas Boulevard, Alice, TX 78332
    County: Jim Wells
    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
    Core Based Statistical Area (CBSA): Alice, TX (#10860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $344.7 mil
    Equity capital: $32.6 mil
    Deposits held in domestic offices: $288.3 mil
    Return on assets (ROA): 0.63% ($2.2 mil)
    Quarterly return on assets: 0.50% ($1.7 mil)
    Return on Equity (ROE): 6.72% ($2.2 mil)
    Quarterly return on equity: 5.29% ($1.7 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.63% ($2,171.4 mil)
    Quarterly Pretax return on assets: 0.50% ($1,723.3 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
  • 123Total employees (full-time equivalent)
  • $344,665Total assets
  • $26,368Cash and due from depository institutions
  • $15,258Interest-bearing balances
  • $39,582Securities
  • $4,962Federal funds sold & reverse repurchase agreements
  • $244,945Net loans & leases
  • $3,442Loan loss allowance
  • $0Trading account assets
  • $17,823Bank premises and fixed assets
  • $4,479Other real estate owned
  • $2,461Goodwill and other intangibles
  • $344,665Life insurance assets
  • $4,045All other assets
  • $312,107Total liabilities and capital
  • $288,294Total liabilities
  • $179,349Total deposits
  • $288,294Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $23,480Trading liabilities
  • $0Other borrowed funds
  • $333Subordinated debt
  • $32,558All other liabilities
  • $32,558Total equity capital
  • $32,558Total bank equity capital
  • $0Perpetual preferred stock
  • $354Common stock
  • $20,783Surplus
  • $11,421Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,588Income earned, not collected on loans
  • $0Earning assets
  • $1,616Long-term assets (5+ years)
  • $304,747Average Assets, year-to-date
  • $19,425Average Assets, quarterly
  • $335,282Volatile liabilities
  • $341,332Insider loans
  • $269,303FHLB advances
  • $338,506Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $30,036Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,592Restructured Loans and leases
  • $4,200Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,440Total interest income
  • $1,815Total interest expense
  • $12,625Net interest income
  • $1,997Provision for loan and lease losses
  • $3,621Total noninterest income
  • $0Fiduciary activities
  • $1,765Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,856Additional noninterest income
  • $12,124Total noninterest expense
  • $5,667Salaries and employee benefits
  • $2,210Premises and equipment expense
  • $4,247Additional noninterest expense
  • $2,125Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,125Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,125Net income attributable to bank
  • $0Net charge-offs
  • $2,125Cash dividends
  • $1,655Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 4.26%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 4.09%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 6.72%Return on equity (ROE)
  • 6.09%Retained earnings to average equity (YTD only)
  • 0.69%Net charge-offs to loans
  • 120.66%Credit loss provision to net charge-offs
  • 2.49%Efficiency ratio
  • 74,031Assets per employee
  • 2.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 9.41%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 35.90%Noncurrent assets plus other real estate owned to assets
  • 4.08%Noncurrent loans to loans
  • 3.86%Net loans and leases to deposits
  • 84.96%Net loans and leases to core deposits
  • 98.41%Equity capital to assets
  • 9.45%Core capital (leverage) ratio
  • 8.87%Tier 1 risk-based capital ratio
  • 11.15%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $335,282Average earning assets
  • $31,607Average equity
  • $296,472Average loans

List of branches

  • 13 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07121Texas Champion Bank801 North Texas Boulevard, Alice, TX 78332August 12, 1912Full Service Brick and Mortar
    1224098Calallen Branch15018 Fm 624, Corpus Christi, TX 78410Febuary 14, 1994Full Service Brick and Mortar
    29887Charlotte Branch148 East Hindes Avenue, Charlotte, TX 78011January 10, 1913Full Service Brick and Mortar
    3234652George West Branch904 South Highway 59, George West, TX 78022June 17, 1991Full Service Brick and Mortar
    4234653Pleasanton Branch405 West Oaklawn, Pleasanton, TX 78064July 19, 1993Full Service Brick and Mortar
    6358731Mathis Branch1300 Loop 549, Mathis, TX 78368May 01, 2000Full Service Brick and Mortar
    7257291Benavides Branch300 East Main Street, Benavides, TX 78341September 01, 1995Full Service Brick and Mortar
    8440699Staples Branch6124 South Stsples, Corpus Christi, TX 78413May 23, 2005Full Service Brick and Mortar
    92121Kenedy Branch113 South Sunset Strip, Kenedy, TX 78119January 01, 1906Full Service Brick and Mortar
    10451477San Pedro Branch14329 San Pedro, Suite A, San Antonio, TX 78232Febuary 13, 2006Full Service Brick and Mortar
    11467497Beeville Branch1901 N Saint Marys St, Beeville, TX 78102May 01, 2007Full Service Brick and Mortar
    12477416Ayers Street Branch4462 Ayers Street, Corpus Christi, TX 78415Febuary 11, 2008Full Service Brick and Mortar
    13477419San Diego Branch511 E. Gravis, San Diego, TX 78384November 19, 2007Full Service Brick and Mortar

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