Bank of the Hills, National Association - Overview
General
FDIC Certificate #: 34636 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Sterling Bank (#21726) Federal Reserve ID: 2686136 Date Established: April 09, 1998 WWW:http://www.bankofthehills.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 6 (Interstate: No) FDIC's unique #: 60859 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: April 09, 1998 Last Structure Change Effective Date: September 29, 2006 Last Structure Change Process Date: October 17, 2006 Last Data Update: October 17, 2006 Data Source Date: April 05, 2012
Location
Address: 1075 Junction Highway, Kerrville, TX 78028 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: $320.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
50Total employees (full-time equivalent)
$314,402Total assets
$44,484Cash and due from depository institutions
$36,801Interest-bearing balances
$92,463Securities
$21,500Federal funds sold & reverse repurchase agreements
$141,473Net loans & leases
$2,125Loan loss allowance
$0Trading account assets
$6,411Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$8,071All other assets
$314,402Total liabilities and capital
$292,220Total liabilities
$291,600Total deposits
$250,004Interest-bearing deposits
$291,600Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$620All other liabilities
$22,182Total equity capital
$22,182Total bank equity capital
$22,182Perpetual preferred stock
$0Common stock
$2,250Surplus
$6,248Undivided profits
Memoranda
$13,684Noncurrent loans and leases
$20,649Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$250Earning assets
$0Long-term assets (5+ years)
$1,931Average Assets, year-to-date
$292,237Average Assets, quarterly
$83,282Volatile liabilities
$280,771Insider loans
$302,552FHLB advances
$57,619Loans and leases held for sale
$183Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$20,649Total unused commitments
$0Restructured Loans and leases
$2,125Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$13,981Total interest income
$4,647Total interest expense
$9,334Net interest income
$296Provision for loan and lease losses
$2,045Total noninterest income
$0Fiduciary activities
$1,257Service charges on deposit accounts
$0Trading account gains & fees
$788Additional noninterest income
$5,528Total noninterest expense
$3,097Salaries and employee benefits
$614Premises and equipment expense
$1,817Additional noninterest expense
$5,555Pre-tax net operating income
$0Securities gains (losses)
$1,180Applicable income taxes
$4,375Income before extraordinary items
$0Extraordinary gains - net
$4,375Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$25Sale, conversion, retirement of capital stock, net
$250Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.38%Yield on earning assets
1.79%Cost of funding earning assets
3.59%Net interest margin
0.79%Noninterest income to earning assets
2.13%Noninterest expense to earning assets
1.56%Net operating income to assets
1.56%Return on assets (ROA)
1.98%Pretax return on assets
21.84%Return on equity (ROE)
20.59%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
1184.00%Credit loss provision to net charge-offs
234.04%Efficiency ratio
48,581Assets per employee
6.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
5.71%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
850.00%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.17%Net loans and leases to deposits
48.52%Net loans and leases to core deposits
60.46%Equity capital to assets
7.06%Core capital (leverage) ratio
7.09%Tier 1 risk-based capital ratio
13.03%Total risk-based capital ratio
Memoranda
$14Average assets
$280,771Average earning assets
$20,036Average equity
$259,987Average loans
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of the Hills, National Association.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: