Texas Community Bank, National Association in Laredo, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Texas Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 24563
    Status: Active
    Federal Reserve ID: 528960
    Bank Holding Company (Regulatory Top Holder): Vision Bancshares, Inc. (RSSDID: 3211012, Location: Laredo, TX)
    Date Established: June 20, 1983
    WWW: http://www.tx-communitybank.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: 9 (Domestic: 9, Interstate: No)
    FDIC's unique #: 17065
    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: June 20, 1983
    Last Structure Change Effective Date: June 11, 2008
    Last Structure Change Process Date: June 11, 2008
    Last Data Update: June 11, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 6721 Mcpherson Road, Laredo, TX 78041
    County: Webb
    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
    Metropolitan Statistical Area (MSA): Laredo, TX (#4080)
    Core Based Statistical Area (CBSA): Laredo, TX (#29700)
    CBSA Metro Statistical Area: Laredo, TX (#29700)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $1,061.2 mil
    Equity capital: $88.0 mil
    Deposits held in domestic offices: $957.2 mil
    Return on assets (ROA): 0.61% ($6.5 mil)
    Quarterly return on assets: 0.64% ($6.8 mil)
    Return on Equity (ROE): 7.26% ($6.4 mil)
    Quarterly return on equity: 7.59% ($6.7 mil)
    Net income: $6.1 mil
    Quarterly Net income: $1.7 mil
    Pretax return on assets: 0.93% ($9,869.3 mil)
    Quarterly Pretax return on assets: 0.98% ($10,399.9 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
  • 173Total employees (full-time equivalent)
  • $1,061,219Total assets
  • $116,579Cash and due from depository institutions
  • $84,844Interest-bearing balances
  • $344,816Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $549,243Net loans & leases
  • $9,704Loan loss allowance
  • $0Trading account assets
  • $37,282Bank premises and fixed assets
  • $1,799Other real estate owned
  • $2,016Goodwill and other intangibles
  • $1,061,219Life insurance assets
  • $9,484All other assets
  • $973,252Total liabilities and capital
  • $957,214Total liabilities
  • $709,177Total deposits
  • $957,214Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 12448.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,590Subordinated debt
  • $87,967All other liabilities
  • $87,967Total equity capital
  • $87,967Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $62,530Surplus
  • $24,687Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,562Income earned, not collected on loans
  • $0Earning assets
  • $3,629Long-term assets (5+ years)
  • $978,903Average Assets, year-to-date
  • $226,204Average Assets, quarterly
  • $997,752Volatile liabilities
  • $1,032,949Insider loans
  • $490,548FHLB advances
  • $1,012,545Loans and leases held for sale
  • $238Unused loan commitments
  • $238Tier 1 (core) risk-based capital
  • $82,242Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $39,323Restructured Loans and leases
  • $7,721Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $33,625Total interest income
  • $5,590Total interest expense
  • $28,035Net interest income
  • $2,902Provision for loan and lease losses
  • $3,947Total noninterest income
  • $0Fiduciary activities
  • $2,474Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,473Additional noninterest income
  • $20,030Total noninterest expense
  • $11,163Salaries and employee benefits
  • $3,482Premises and equipment expense
  • $5,385Additional noninterest expense
  • $9,050Pre-tax net operating income
  • $252Securities gains (losses)
  • $3,190Applicable income taxes
  • $6,112Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,112Net income attributable to bank
  • $0Net charge-offs
  • $6,112Cash dividends
  • $1,578Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.63%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 3.03%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.16%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 7.26%Return on equity (ROE)
  • 7.26%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 183.90%Credit loss provision to net charge-offs
  • 7.57%Efficiency ratio
  • 62,501Assets per employee
  • 6.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 272.43%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.64%Net loans and leases to deposits
  • 57.38%Net loans and leases to core deposits
  • 85.84%Equity capital to assets
  • 8.29%Core capital (leverage) ratio
  • 8.12%Tier 1 risk-based capital ratio
  • 16.77%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $997,752Average earning assets
  • $84,172Average equity
  • $925,493Average loans

List of branches

  • 9 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017065Texas Community Bank, National Association6721 Mcpherson Road, Laredo, TX 78041June 20, 1983Full Service Brick and Mortar
    2432409Sinatra Branch6302 Sinatra Parkway, Laredo, TX 78041September 20, 2004Full Service Brick and Mortar
    3442450S.A. 410 Loop Branch85 Ne Loop 410, Suite 120, San Antonio, TX 78216June 28, 2005Full Service Brick and Mortar
    4478490Somerset Branch19401 Somerset Road, Somerset, TX 78069June 20, 1983Full Service Brick and Mortar
    5493426Mcallen Nolana Branch1124 Nolana, Mcallen, TX 78504December 22, 2008Full Service Brick and Mortar
    6493838Brownsville Boca Chica Branch3505 Boca Chica Blvd. Ste. 109, Brownsville, TX 78521Febuary 03, 2009Full Service Brick and Mortar
    7505882Texas Community Bank-Las Campanas Br1826 North Loop 1604 West, Suite 150, San Antonio, TX 78248June 29, 2009Full Service Brick and Mortar
    8505884Del Rio - South Main Street Branch305 South Main Street, Del Rio, TX 78840July 27, 2009Full Service Brick and Mortar
    9521568Del Rio - Veteran's Blvd Branch2411 Veteran's Blvd, Del Rio, TX 78840December 01, 2010Full Service Brick and Mortar

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