Bank of South Texas in Mcallen, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bank of South Texas in Mcallen, Texas (TX)
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Bank of South Texas routing number info

Bank of South Texas - Overview

  • General
  • FDIC Certificate #: 26727
    Status: Active
    Federal Reserve ID: 49858
    Bank Holding Company (Regulatory Top Holder): St Banc Corp. (RSSDID: 3392667, Location: Mcallen, TX)
    Date Established: July 08, 1986
    WWW: http://www.bankofsouthtexas.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13371
    FDIC's unique #: 35808
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 08, 1986
    Last Structure Change Effective Date: November 13, 2006
    Last Structure Change Process Date: December 13, 2006
    Last Data Update: December 13, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 506 E. Dove, Mcallen, TX 78504
    County: Hidalgo
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): McAllen-Edinburg-Mission, TX (#4880)
    Core Based Statistical Area (CBSA): McAllen-Edinburg-Mission, TX (#32580)
    CBSA Metro Statistical Area: McAllen-Edinburg-Mission, TX (#32580)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $76.7 mil
    Equity capital: $10.9 mil
    Deposits held in domestic offices: $65.6 mil
    Return on assets (ROA): 0.05% ($0.0 mil)
    Quarterly return on assets: 0.30% ($0.2 mil)
    Return on Equity (ROE): 0.39% ($0.0 mil)
    Quarterly return on equity: 2.10% ($0.2 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.05% ($38.3 mil)
    Quarterly Pretax return on assets: 0.30% ($230.0 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
  • 33Total employees (full-time equivalent)
  • $76,652Total assets
  • $5,270Cash and due from depository institutions
  • $3,340Interest-bearing balances
  • $10,817Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $51,287Net loans & leases
  • $524Loan loss allowance
  • $0Trading account assets
  • $2,692Bank premises and fixed assets
  • $1,758Other real estate owned
  • $3,568Goodwill and other intangibles
  • $76,652Life insurance assets
  • $1,260All other assets
  • $65,770Total liabilities and capital
  • $65,608Total liabilities
  • $49,451Total deposits
  • $65,608Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $162Subordinated debt
  • $10,882All other liabilities
  • $10,882Total equity capital
  • $10,882Total bank equity capital
  • $0Perpetual preferred stock
  • $889Common stock
  • $10,531Surplus
  • $-538Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,388Income earned, not collected on loans
  • $0Earning assets
  • $220Long-term assets (5+ years)
  • $65,444Average Assets, year-to-date
  • $5,824Average Assets, quarterly
  • $76,663Volatile liabilities
  • $77,211Insider loans
  • $51,376FHLB advances
  • $73,035Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,709Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,517Restructured Loans and leases
  • $953Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,076Total interest income
  • $699Total interest expense
  • $3,377Net interest income
  • $48Provision for loan and lease losses
  • $305Total noninterest income
  • $0Fiduciary activities
  • $228Service charges on deposit accounts
  • $0Trading account gains & fees
  • $77Additional noninterest income
  • $3,721Total noninterest expense
  • $1,644Salaries and employee benefits
  • $586Premises and equipment expense
  • $1,491Additional noninterest expense
  • -$87Pre-tax net operating income
  • $128Securities gains (losses)
  • $0Applicable income taxes
  • $41Income before extraordinary items
  • $0Extraordinary gains - net
  • $41Net income attributable to bank
  • $0Net charge-offs
  • $41Cash dividends
  • $124Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.28%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 5.20%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 5.74%Noninterest expense to earning assets
  • -0.11%Net operating income to assets
  • 0.05%Return on assets (ROA)
  • 0.05%Pretax return on assets
  • 0.39%Return on equity (ROE)
  • 0.39%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 38.71%Credit loss provision to net charge-offs
  • -0.31%Efficiency ratio
  • 99,620Assets per employee
  • 2.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 21.94%Noncurrent assets plus other real estate owned to assets
  • 5.41%Noncurrent loans to loans
  • 4.61%Net loans and leases to deposits
  • 78.17%Net loans and leases to core deposits
  • 83.08%Equity capital to assets
  • 14.20%Core capital (leverage) ratio
  • 9.19%Tier 1 risk-based capital ratio
  • 13.06%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $76,663Average earning assets
  • $10,440Average equity
  • $64,880Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    035808Bank Of South Texas506 E. Dove, Mcallen, TX 78504July 08, 1986Full Service Brick and Mortar
    11588Bank Of South Texas Kingsville Branc300 East King Street, Kingsville, TX 78363January 01, 1931Full Service Brick and Mortar
    2192628Detached Facility301 East King Street, Kingsville, TX 78363January 19, 1981Limited Service Facility
    4489581Bank Of South Texas Hebbronville Bra1500 North Smith Street, Hebbronville, TX 78361July 08, 1986Full Service Brick and Mortar
    5505433Nolana Branch1421 E. Nolana Avenue, Mcallen, TX 78504Febuary 15, 2010Full Service Brick and Mortar

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