The Blanco National Bank in Blanco, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Blanco National Bank - Overview

  • General
  • FDIC Certificate #: 3105
    Status: Active
    Federal Reserve ID: 219259
    Bank Holding Company (Regulatory Top Holder): Blanco National Holdings, Inc. (RSSDID: 3174005, Location: Blanco, TX)
    Date Established: March 06, 1906
    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: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12801
    FDIC's unique #: 1981
    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 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 416 4th Street, Blanco, TX 78606
    County: Blanco
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $150.8 mil
    Equity capital: $15.6 mil
    Deposits held in domestic offices: $134.6 mil
    Return on assets (ROA): 0.97% ($1.5 mil)
    Quarterly return on assets: 1.08% ($1.6 mil)
    Return on Equity (ROE): 9.79% ($1.6 mil)
    Quarterly return on equity: 10.47% ($1.7 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.97% ($1,462.8 mil)
    Quarterly Pretax return on assets: 1.08% ($1,628.7 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
  • 57Total employees (full-time equivalent)
  • $150,809Total assets
  • $8,792Cash and due from depository institutions
  • $2,161Interest-bearing balances
  • $43,692Securities
  • $10,275Federal funds sold & reverse repurchase agreements
  • $84,490Net loans & leases
  • $1,131Loan loss allowance
  • $0Trading account assets
  • $999Bank premises and fixed assets
  • $1,186Other real estate owned
  • $0Goodwill and other intangibles
  • $150,809Life insurance assets
  • $1,375All other assets
  • $135,210Total liabilities and capital
  • $134,611Total liabilities
  • $103,622Total deposits
  • $134,611Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $599Subordinated debt
  • $15,599All other liabilities
  • $15,599Total equity capital
  • $15,599Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $4,193Surplus
  • $11,405Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,225Income earned, not collected on loans
  • $0Earning assets
  • $640Long-term assets (5+ years)
  • $140,618Average Assets, year-to-date
  • $45,221Average Assets, quarterly
  • $151,922Volatile liabilities
  • $150,102Insider loans
  • $97,834FHLB advances
  • $149,951Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,191Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,740Restructured Loans and leases
  • $196Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,376Total interest income
  • $863Total interest expense
  • $6,513Net interest income
  • $0Provision for loan and lease losses
  • $902Total noninterest income
  • $0Fiduciary activities
  • $664Service charges on deposit accounts
  • $0Trading account gains & fees
  • $238Additional noninterest income
  • $6,245Total noninterest expense
  • $3,344Salaries and employee benefits
  • $866Premises and equipment expense
  • $2,035Additional noninterest expense
  • $1,170Pre-tax net operating income
  • $298Securities gains (losses)
  • $0Applicable income taxes
  • $1,468Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,468Net income attributable to bank
  • $0Net charge-offs
  • $1,468Cash dividends
  • $102Sale, conversion, retirement of capital stock, net
  • $876Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 4.64%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 4.45%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 9.79%Return on equity (ROE)
  • 3.95%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 11.47%Efficiency ratio
  • 84,221Assets per employee
  • 2.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.67%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 26.77%Noncurrent assets plus other real estate owned to assets
  • 3.59%Noncurrent loans to loans
  • 4.93%Net loans and leases to deposits
  • 62.77%Net loans and leases to core deposits
  • 65.90%Equity capital to assets
  • 10.34%Core capital (leverage) ratio
  • 10.13%Tier 1 risk-based capital ratio
  • 15.53%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $151,922Average earning assets
  • $14,992Average equity
  • $140,311Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01981The Blanco National Bank416 4th Street, Blanco, TX 78606March 06, 1906Full Service Brick and Mortar
    1196076Fredericksburg Branch609 East Main Street, Fredericksburg, TX 78624August 03, 1998Full Service Brick and Mortar
    2362081Bulverde Branch20475 Highway 46, Suite 360, Spring Branch, TX 78070October 01, 2000Full Service Brick and Mortar
    3364642Wimberley Branch15451 Ranch Rd 12, Wimberley, TX 78676May 01, 2002Full Service Brick and Mortar

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