Texas Heritage Bank in Boerne, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Texas Heritage Bank - Overview

  • General
  • FDIC Certificate #: 11903
    Status: Active
    Federal Reserve ID: 702359
    Bank Holding Company (Regulatory Top Holder): Southwestern Bancorp, Inc. (RSSDID: 1105283, Location: Boerne, TX)
    Date Established: October 23, 1931
    WWW: http://www.texasheritagebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13317
    FDIC's unique #: 7601
    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: October 04, 2011
    Last Structure Change Process Date: October 04, 2011
    Last Data Update: October 04, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1208 South Main Street, Boerne, TX 78006
    County: Kendall
    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
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • Financial Summary
  • Total assets: $99.0 mil
    Equity capital: $10.0 mil
    Deposits held in domestic offices: $83.8 mil
    Return on assets (ROA): 1.63% ($1.6 mil)
    Quarterly return on assets: 1.71% ($1.7 mil)
    Return on Equity (ROE): 17.87% ($1.8 mil)
    Quarterly return on equity: 17.21% ($1.7 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.63% ($1,614.2 mil)
    Quarterly Pretax return on assets: 1.71% ($1,693.4 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
  • 30Total employees (full-time equivalent)
  • $99,031Total assets
  • $17,439Cash and due from depository institutions
  • $14,890Interest-bearing balances
  • $5,599Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $73,873Net loans & leases
  • $987Loan loss allowance
  • $0Trading account assets
  • $642Bank premises and fixed assets
  • $0Other real estate owned
  • $89Goodwill and other intangibles
  • $99,031Life insurance assets
  • $1,389All other assets
  • $89,041Total liabilities and capital
  • $83,826Total liabilities
  • $55,172Total deposits
  • $83,826Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 400.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,140Trading liabilities
  • $100Other borrowed funds
  • $575Subordinated debt
  • $9,990All other liabilities
  • $9,990Total equity capital
  • $9,990Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $7,021Surplus
  • $2,769Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $624Income earned, not collected on loans
  • $0Earning assets
  • $419Long-term assets (5+ years)
  • $94,362Average Assets, year-to-date
  • $34,979Average Assets, quarterly
  • $95,152Volatile liabilities
  • $99,632Insider loans
  • $69,080FHLB advances
  • $100,663Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,616Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,924Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,036Total interest income
  • $583Total interest expense
  • $4,453Net interest income
  • $95Provision for loan and lease losses
  • $791Total noninterest income
  • $0Fiduciary activities
  • $495Service charges on deposit accounts
  • $0Trading account gains & fees
  • $296Additional noninterest income
  • $3,666Total noninterest expense
  • $1,953Salaries and employee benefits
  • $681Premises and equipment expense
  • $1,032Additional noninterest expense
  • $1,483Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,483Income before extraordinary items
  • $69Extraordinary gains - net
  • $1,552Net income attributable to bank
  • $0Net charge-offs
  • $1,552Cash dividends
  • $30Sale, conversion, retirement of capital stock, net
  • $1,025Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.54%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 4.90%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 4.03%Noninterest expense to earning assets
  • 1.56%Net operating income to assets
  • 1.63%Return on assets (ROA)
  • 1.63%Pretax return on assets
  • 17.87%Return on equity (ROE)
  • 6.07%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 316.67%Credit loss provision to net charge-offs
  • 52.60%Efficiency ratio
  • 69,851Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.04%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 158.17%Noncurrent assets plus other real estate owned to assets
  • 0.63%Noncurrent loans to loans
  • 0.83%Net loans and leases to deposits
  • 88.13%Net loans and leases to core deposits
  • 90.42%Equity capital to assets
  • 10.09%Core capital (leverage) ratio
  • 9.55%Tier 1 risk-based capital ratio
  • 13.92%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $95,152Average earning assets
  • $8,683Average equity
  • $90,880Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07601Texas Heritage Bank1208 South Main Street, Boerne, TX 78006October 23, 1931Full Service Brick and Mortar
    2365827Cross Plains Branch101 North Main Street, Cross Plains, TX 76443October 28, 2002Full Service Brick and Mortar
    3442655Texas Heritage Bank - Branch25060 Ih 10 West, San Antonio, TX 78257August 01, 2005Full Service Brick and Mortar

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