The Karnes County National Bank of Karnes City in Karnes City, Texas (TX)
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| The Karnes County National Bank of Karnes City | |
|---|---|
| General | FDIC Certificate #: 3279 Status: Active Federal Reserve ID: 979759 Date Established: January 01, 1900 WWW: http://www.kcnb.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 2118 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: Mortgage 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: 311 East Calvert Street, Karnes City, TX 78118 County: Karnes 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 | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $155.2 mil Equity capital: $11.4 mil Deposits held in domestic offices: $142.2 mil Return on assets (ROA): 0.90% ($1.4 mil) Quarterly return on assets: 0.83% ($1.3 mil) Return on Equity (ROE): 11.32% ($1.2 mil) Quarterly return on equity: 10.71% ($1.2 mil) Net income: $1.2 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.10% ($1,707.7 mil) Quarterly Pretax return on assets: 0.96% ($1,490.3 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 28 |
| Total assets | $155,244 |
| Cash and due from depository institutions | $4,628 |
| Interest-bearing balances | $0 |
| Securities | $94,632 |
| Federal funds sold & reverse repurchase agreements | $7,250 |
| Net loans & leases | $43,351 |
| Loan loss allowance | $602 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,328 |
| Other real estate owned | $712 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,343 |
| Life insurance assets | $155,244 |
| Total liabilities and capital | $143,892 |
| Total liabilities | $142,232 |
| Total deposits | $104,134 |
| Interest-bearing deposits | $142,232 |
| Deposits held in domestic offices | $92 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,660 |
| All other liabilities | $11,352 |
| Total equity capital | $11,352 |
| Total bank equity capital | $11,352 |
| Perpetual preferred stock | $0 |
| Common stock | $400 |
| Surplus | $400 |
| Undivided profits | $10,552 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $1,085 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $697 |
| Average Assets, year-to-date | $145,233 |
| Average Assets, quarterly | $112,788 |
| Volatile liabilities | $130,576 |
| Insider loans | $147,199 |
| FHLB advances | $67,993 |
| Loans and leases held for sale | $147,348 |
| Unused loan commitments | $864 |
| Tier 1 (core) risk-based capital | $864 |
| Tier 2 risk-based capital | $10,124 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $6,975 |
| Derivatives | $429 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $5,047 |
| Total interest expense | $522 |
| Net interest income | $4,525 |
| Provision for loan and lease losses | $98 |
| Total noninterest income | $440 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $321 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $119 |
| Total noninterest expense | $3,475 |
| Salaries and employee benefits | $2,010 |
| Premises and equipment expense | $310 |
| Additional noninterest expense | $1,155 |
| Pre-tax net operating income | $1,392 |
| Securities gains (losses) | $46 |
| Applicable income taxes | $263 |
| Income before extraordinary items | $1,175 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,175 |
| Net charge-offs | $0 |
| Cash dividends | $1,175 |
| Sale, conversion, retirement of capital stock, net | $1 |
| Net operating income | $144 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.14% |
| Cost of funding earning assets | 0.43% |
| Net interest margin | 3.71% |
| Noninterest income to earning assets | 0.36% |
| Noninterest expense to earning assets | 2.85% |
| Net operating income to assets | 0.87% |
| Return on assets (ROA) | 0.90% |
| Pretax return on assets | 1.10% |
| Return on equity (ROE) | 11.32% |
| Retained earnings to average equity (YTD only) | 9.93% |
| Net charge-offs to loans | 0.00% |
| Credit loss provision to net charge-offs | 9800.00% |
| Efficiency ratio | 1490.00% |
| Assets per employee | $69,990 |
| Cash dividends to net income (YTD only) | 5.54% |
| Condition Ratios (%) | |
| Loss allowance to loans | 12.26% |
| Loss allowance to noncurrent loans | 1.37% |
| Noncurrent assets plus other real estate owned to assets | 55.48% |
| Noncurrent loans to loans | 1.16% |
| Net loans and leases to deposits | 2.47% |
| Net loans and leases to core deposits | 30.48% |
| Equity capital to assets | 32.40% |
| Core capital (leverage) ratio | 7.31% |
| Tier 1 risk-based capital ratio | 6.87% |
| Total risk-based capital ratio | 14.89% |
| Memoranda | |
| Average assets | $16 |
| Average earning assets | $130,576 |
| Average equity | $10,384 |
| Average loans | $121,822 |
| 1 Texas Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 2118 | The Karnes County National Bank Of K | 311 East Calvert Street, Karnes City, TX 78118 | January 01, 1900 | Full Service Brick and Mortar |  |
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