Zavala County Bank in Crystal City, Texas (TX)
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| Zavala County Bank | |
|---|---|
| General | FDIC Certificate #: 15105 Status: Active Federal Reserve ID: 969956 Date Established: January 01, 1907 WWW: http://www.zcbank.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) OTS Docket #: 15440 FDIC's unique #: 9481 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: April 24, 1935 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: 2300 Highway 83 North, Crystal City, TX 78839 County: Zavala 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: $64.3 mil Equity capital: $8.2 mil Deposits held in domestic offices: $54.5 mil Return on assets (ROA): 1.10% ($0.7 mil) Quarterly return on assets: 0.46% ($0.3 mil) Return on Equity (ROE): 8.51% ($0.7 mil) Quarterly return on equity: 3.44% ($0.3 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.38% ($887.3 mil) Quarterly Pretax return on assets: 1.35% ($868.0 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 25 |
| Total assets | $64,300 |
| Cash and due from depository institutions | $5,693 |
| Interest-bearing balances | $2,369 |
| Securities | $41,650 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $12,536 |
| Loan loss allowance | $186 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $3,308 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,113 |
| Life insurance assets | $64,300 |
| Total liabilities and capital | $56,111 |
| Total liabilities | $54,491 |
| Total deposits | $39,786 |
| Interest-bearing deposits | $54,491 |
| Deposits held in domestic offices | $91 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,620 |
| All other liabilities | $8,189 |
| Total equity capital | $8,189 |
| Total bank equity capital | $8,189 |
| Perpetual preferred stock | $0 |
| Common stock | $400 |
| Surplus | $3,900 |
| Undivided profits | $3,889 |
| 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 | $488 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $395 |
| Average Assets, year-to-date | $56,555 |
| Average Assets, quarterly | $30,996 |
| Volatile liabilities | $61,677 |
| Insider loans | $64,035 |
| FHLB advances | $23,700 |
| Loans and leases held for sale | $63,786 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $6,830 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $2,690 |
| Derivatives | $805 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $2,178 |
| Total interest expense | $249 |
| Net interest income | $1,929 |
| Provision for loan and lease losses | $3 |
| Total noninterest income | $922 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $610 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $312 |
| Total noninterest expense | $2,031 |
| Salaries and employee benefits | $993 |
| Premises and equipment expense | $388 |
| Additional noninterest expense | $650 |
| Pre-tax net operating income | $817 |
| Securities gains (losses) | $36 |
| Applicable income taxes | $173 |
| Income before extraordinary items | $680 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $680 |
| Net charge-offs | $0 |
| Cash dividends | $680 |
| Sale, conversion, retirement of capital stock, net | $1 |
| Net operating income | $500 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.02% |
| Cost of funding earning assets | 0.46% |
| Net interest margin | 3.56% |
| Noninterest income to earning assets | 1.70% |
| Noninterest expense to earning assets | 3.75% |
| Net operating income to assets | 1.06% |
| Return on assets (ROA) | 1.10% |
| Pretax return on assets | 1.38% |
| Return on equity (ROE) | 8.51% |
| Retained earnings to average equity (YTD only) | 2.25% |
| Net charge-offs to loans | 0.01% |
| Credit loss provision to net charge-offs | 300.00% |
| Efficiency ratio | 820.00% |
| Assets per employee | $71,238 |
| Cash dividends to net income (YTD only) | 2.57% |
| Condition Ratios (%) | |
| Loss allowance to loans | 73.53% |
| Loss allowance to noncurrent loans | 1.46% |
| Noncurrent assets plus other real estate owned to assets | 38.11% |
| Noncurrent loans to loans | 0.76% |
| Net loans and leases to deposits | 3.84% |
| Net loans and leases to core deposits | 23.01% |
| Equity capital to assets | 25.01% |
| Core capital (leverage) ratio | 12.74% |
| Tier 1 risk-based capital ratio | 10.71% |
| Total risk-based capital ratio | 28.82% |
| Memoranda | |
| Average assets | $30 |
| Average earning assets | $61,677 |
| Average equity | $7,995 |
| Average loans | $54,145 |
| 2 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 9481 | Zavala County Bank | 2300 Highway 83 North, Crystal City, TX 78839 | January 01, 1907 | Full Service Brick and Mortar |  |
| 1 | 5375 | La Pryor Branch | 237 Us Highway 57 West, La Pryor, TX 78872 | January 12, 1914 | Full Service Brick and Mortar |  |
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