Texas Regional Bank in Harlingen, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Texas Regional Bank - Overview

  • General
  • FDIC Certificate #: 26906
    Status: Active
    Federal Reserve ID: 380458
    Bank Holding Company (Regulatory Top Holder): Texas State Bankshares, Inc. (RSSDID: 4076937, Location: Harlingen, TX)
    Date Established: March 05, 1987
    WWW: http://www.texasregionalbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 36249
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 05, 1987
    Last Structure Change Effective Date: August 16, 2010
    Last Structure Change Process Date: August 16, 2010
    Last Data Update: August 16, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 2019 South 77 Sunshine Strip, Harlingen, TX 78550
    County: Cameron
    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): Brownsville-Harlingen-San Benito, TX (#1240)
    Combined Statistical Area (CSA): Brownsville-Harlingen-Raymondville, TX (#154)
    Core Based Statistical Area (CBSA): Brownsville-Harlingen, TX (#15180)
    CBSA Metro Statistical Area: Brownsville-Harlingen, TX (#15180)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $91.0 mil
    Equity capital: $21.9 mil
    Deposits held in domestic offices: $68.7 mil
    Return on assets (ROA): -1.10% (-$1.0 mil)
    Quarterly return on assets: -0.74% (-$0.7 mil)
    Return on Equity (ROE): -3.66% (-$0.8 mil)
    Quarterly return on equity: -2.98% (-$0.7 mil)
    Net income: -$0.8 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -1.67% (-$1,519.0 mil)
    Quarterly Pretax return on assets: -1.12% (-$1,018.8 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
  • 32Total employees (full-time equivalent)
  • $90,960Total assets
  • $18,044Cash and due from depository institutions
  • $1,911Interest-bearing balances
  • $0Securities
  • $16,280Federal funds sold & reverse repurchase agreements
  • $48,275Net loans & leases
  • $603Loan loss allowance
  • $0Trading account assets
  • $4,204Bank premises and fixed assets
  • $0Other real estate owned
  • $3,110Goodwill and other intangibles
  • $90,960Life insurance assets
  • $1,047All other assets
  • $69,014Total liabilities and capital
  • $68,720Total liabilities
  • $52,985Total deposits
  • $68,720Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $294Subordinated debt
  • $21,946All other liabilities
  • $21,946Total equity capital
  • $21,946Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $22,804Surplus
  • $-1,458Undivided 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
  • $157Long-term assets (5+ years)
  • $66,466Average Assets, year-to-date
  • $253Average Assets, quarterly
  • $73,558Volatile liabilities
  • $89,047Insider loans
  • $55,460FHLB advances
  • $84,087Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,837Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,908Restructured Loans and leases
  • $1,159Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,986Total interest income
  • $348Total interest expense
  • $1,638Net interest income
  • $455Provision for loan and lease losses
  • $445Total noninterest income
  • $0Fiduciary activities
  • $277Service charges on deposit accounts
  • $0Trading account gains & fees
  • $168Additional noninterest income
  • $2,857Total noninterest expense
  • $1,586Salaries and employee benefits
  • $334Premises and equipment expense
  • $937Additional noninterest expense
  • -$1,229Pre-tax net operating income
  • $0Securities gains (losses)
  • -$418Applicable income taxes
  • -$811Income before extraordinary items
  • $0Extraordinary gains - net
  • -$811Net income attributable to bank
  • $0Net charge-offs
  • -$811Cash 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)
  • 3.79%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 3.12%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 5.45%Noninterest expense to earning assets
  • -1.10%Net operating income to assets
  • -1.10%Return on assets (ROA)
  • -1.67%Pretax return on assets
  • -3.66%Return on equity (ROE)
  • -3.66%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 6500.00%Credit loss provision to net charge-offs
  • -110.57%Efficiency ratio
  • 133,413Assets per employee
  • 2.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.23%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
  • 70.25%Net loans and leases to core deposits
  • 79.72%Equity capital to assets
  • 24.13%Core capital (leverage) ratio
  • 22.40%Tier 1 risk-based capital ratio
  • 33.97%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $73,558Average earning assets
  • $22,153Average equity
  • $52,457Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036249Texas Regional Bank2019 South 77 Sunshine Strip, Harlingen, TX 78550March 05, 1987Full Service Brick and Mortar
    1511939Falfurrias Branch401 North St. Mary Street, Falfurrias, TX 78355August 16, 2010Full Service Brick and Mortar

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