Union State Bank in Kerrville, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Union State Bank - Overview

  • General
  • FDIC Certificate #: 16686
    Status: Active
    Federal Reserve ID: 1009952
    Bank Holding Company (Regulatory Top Holder): C Bar M, Inc. (RSSDID: 2357463, Location: Kerrville, TX)
    Date Established: October 11, 1947
    WWW: http://www.unionstatebank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 10813
    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: March 20, 1948
    Last Structure Change Effective Date: March 25, 2008
    Last Structure Change Process Date: April 03, 2008
    Last Data Update: April 03, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 Main Street, Kerrville, TX 78029
    County: Kerr
    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): Kerrville, TX (#28500)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $35.3 mil
    Equity capital: $3.1 mil
    Deposits held in domestic offices: $32.1 mil
    Return on assets (ROA): 0.65% ($0.2 mil)
    Quarterly return on assets: 0.61% ($0.2 mil)
    Return on Equity (ROE): 7.57% ($0.2 mil)
    Quarterly return on equity: 6.77% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.65% ($229.4 mil)
    Quarterly Pretax return on assets: 0.61% ($215.3 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
  • 14Total employees (full-time equivalent)
  • $35,297Total assets
  • $9,972Cash and due from depository institutions
  • $8,991Interest-bearing balances
  • $2,899Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $20,946Net loans & leases
  • $260Loan loss allowance
  • $0Trading account assets
  • $1,015Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $35,297Life insurance assets
  • $465All other assets
  • $32,207Total liabilities and capital
  • $32,114Total liabilities
  • $24,501Total deposits
  • $32,114Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $93Subordinated debt
  • $3,090All other liabilities
  • $3,090Total equity capital
  • $3,090Total bank equity capital
  • $0Perpetual preferred stock
  • $67Common stock
  • $2,239Surplus
  • $784Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $200Income earned, not collected on loans
  • $0Earning assets
  • $150Long-term assets (5+ years)
  • $32,836Average Assets, year-to-date
  • $2,045Average Assets, quarterly
  • $34,770Volatile liabilities
  • $34,330Insider loans
  • $23,683FHLB advances
  • $34,984Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,993Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $988Restructured Loans and leases
  • $140Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,048Total interest income
  • $225Total interest expense
  • $1,823Net interest income
  • $105Provision for loan and lease losses
  • $274Total noninterest income
  • $0Fiduciary activities
  • $135Service charges on deposit accounts
  • $0Trading account gains & fees
  • $139Additional noninterest income
  • $1,766Total noninterest expense
  • $840Salaries and employee benefits
  • $166Premises and equipment expense
  • $760Additional noninterest expense
  • $226Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $226Income before extraordinary items
  • $0Extraordinary gains - net
  • $226Net income attributable to bank
  • $0Net charge-offs
  • $226Cash dividends
  • $97Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.38%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 5.68%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 5.50%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 7.57%Return on equity (ROE)
  • 5.90%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 108.25%Credit loss provision to net charge-offs
  • 3.41%Efficiency ratio
  • 84,216Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.12%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 130.00%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 0.94%Net loans and leases to deposits
  • 65.22%Net loans and leases to core deposits
  • 67.23%Equity capital to assets
  • 8.75%Core capital (leverage) ratio
  • 8.56%Tier 1 risk-based capital ratio
  • 12.64%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $34,770Average earning assets
  • $2,985Average equity
  • $32,117Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010813Union State Bank600 Main Street, Kerrville, TX 78029October 11, 1947Full Service Brick and Mortar

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