The Karnes County National Bank of Karnes City in Karnes City, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Karnes County National Bank of Karnes City - Overview

  • 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)

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
  • 28Total employees (full-time equivalent)
  • $155,244Total assets
  • $4,628Cash and due from depository institutions
  • $0Interest-bearing balances
  • $94,632Securities
  • $7,250Federal funds sold & reverse repurchase agreements
  • $43,351Net loans & leases
  • $602Loan loss allowance
  • $0Trading account assets
  • $2,328Bank premises and fixed assets
  • $712Other real estate owned
  • $0Goodwill and other intangibles
  • $155,244Life insurance assets
  • $2,343All other assets
  • $143,892Total liabilities and capital
  • $142,232Total liabilities
  • $104,134Total deposits
  • $142,232Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,660Subordinated debt
  • $11,352All other liabilities
  • $11,352Total equity capital
  • $11,352Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $400Surplus
  • $10,552Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,085Income earned, not collected on loans
  • $0Earning assets
  • $697Long-term assets (5+ years)
  • $145,233Average Assets, year-to-date
  • $112,788Average Assets, quarterly
  • $130,576Volatile liabilities
  • $147,199Insider loans
  • $67,993FHLB advances
  • $147,348Loans and leases held for sale
  • $864Unused loan commitments
  • $864Tier 1 (core) risk-based capital
  • $10,124Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,975Restructured Loans and leases
  • $429Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,047Total interest income
  • $522Total interest expense
  • $4,525Net interest income
  • $98Provision for loan and lease losses
  • $440Total noninterest income
  • $0Fiduciary activities
  • $321Service charges on deposit accounts
  • $0Trading account gains & fees
  • $119Additional noninterest income
  • $3,475Total noninterest expense
  • $2,010Salaries and employee benefits
  • $310Premises and equipment expense
  • $1,155Additional noninterest expense
  • $1,392Pre-tax net operating income
  • $46Securities gains (losses)
  • $263Applicable income taxes
  • $1,175Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,175Net income attributable to bank
  • $0Net charge-offs
  • $1,175Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $144Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.14%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.10%Pretax return on assets
  • 11.32%Return on equity (ROE)
  • 9.93%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 9800.00%Credit loss provision to net charge-offs
  • 1490.00%Efficiency ratio
  • 69,990Assets per employee
  • 5.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.26%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 55.48%Noncurrent assets plus other real estate owned to assets
  • 1.16%Noncurrent loans to loans
  • 2.47%Net loans and leases to deposits
  • 30.48%Net loans and leases to core deposits
  • 32.40%Equity capital to assets
  • 7.31%Core capital (leverage) ratio
  • 6.87%Tier 1 risk-based capital ratio
  • 14.89%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $130,576Average earning assets
  • $10,384Average equity
  • $121,822Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02118The Karnes County National Bank Of K311 East Calvert Street, Karnes City, TX 78118January 01, 1900Full Service Brick and Mortar

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