Border Capital Bank, National Association in city_name, state_name

Border Capital Bank, National Association in Mcallen, Texas (TX)
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Border Capital Bank, National Association routing number info

Border Capital Bank, National Association - Overview

General
FDIC Certificate #: 24935
Status: Active
Federal Reserve ID: 831857
Bank Holding Company (Regulatory Top Holder): Border Capital Group, Inc. (RSSDID: 2984092, Location: Mcallen, TX)
Date Established: January 19, 1984
WWW: http://www.bordercapitalbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 17279
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: Commercial Lending Specialization
Date of Deposit Insurance: January 19, 1984
Last Structure Change Effective Date: January 01, 2007
Last Structure Change Process Date: January 12, 2007
Last Data Update: January 12, 2007
Data Source Date: April 05, 2012
Location
Address: 1801 South Mccoll Road, Mcallen, TX 78502
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
Name Change
Financial Summary
Total assets: $167.8 mil
Equity capital: $21.8 mil
Deposits held in domestic offices: $142.5 mil
Return on assets (ROA): 0.44% ($0.7 mil)
Quarterly return on assets: 0.51% ($0.9 mil)
Return on Equity (ROE): 3.49% ($0.8 mil)
Quarterly return on equity: 3.92% ($0.9 mil)
Net income: $0.7 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.62% ($1,040.3 mil)
Quarterly Pretax return on assets: 0.72% ($1,208.1 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, 2011)

Dollar figures in thousands
65Total employees (full-time equivalent)
$167,790Total assets
$15,066Cash and due from depository institutions
$10,973Interest-bearing balances
$28,798Securities
$0Federal funds sold & reverse repurchase agreements
$99,912Net loans & leases
$2,753Loan loss allowance
$0Trading account assets
$9,375Bank premises and fixed assets
$5,361Other real estate owned
$0Goodwill and other intangibles
$167,790Life insurance assets
$9,278All other assets
$145,984Total liabilities and capital
$142,504Total liabilities
$107,793Total deposits
$142,504Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,684Trading liabilities
$0Other borrowed funds
$1,796Subordinated debt
$21,806All other liabilities
$21,806Total equity capital
$21,806Total bank equity capital
$0Perpetual preferred stock
$3,065Common stock
$11,675Surplus
$7,066Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,871Income earned, not collected on loans
$0Earning assets
$526Long-term assets (5+ years)
$139,683Average Assets, year-to-date
$24,054Average Assets, quarterly
$170,935Volatile liabilities
$168,044Insider loans
$120,954FHLB advances
$167,707Loans and leases held for sale
$4,450Unused loan commitments
$4,450Tier 1 (core) risk-based capital
$21,335Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,400Restructured Loans and leases
$1,791Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,379Total interest income
$1,166Total interest expense
$6,213Net interest income
$450Provision for loan and lease losses
$3,037Total noninterest income
$1,798Fiduciary activities
$577Service charges on deposit accounts
$0Trading account gains & fees
$662Additional noninterest income
$7,786Total noninterest expense
$3,918Salaries and employee benefits
$1,136Premises and equipment expense
$2,732Additional noninterest expense
$1,014Pre-tax net operating income
$39Securities gains (losses)
$309Applicable income taxes
$744Income before extraordinary items
$0Extraordinary gains - net
$744Net income attributable to bank
$0Net charge-offs
$744Cash dividends
$1,003Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.12%Yield on earning assets
0.81%Cost of funding earning assets
4.31%Net interest margin
2.11%Noninterest income to earning assets
5.40%Noninterest expense to earning assets
0.42%Net operating income to assets
0.44%Return on assets (ROA)
0.62%Pretax return on assets
3.49%Return on equity (ROE)
3.49%Retained earnings to average equity (YTD only)
0.93%Net charge-offs to loans
44.87%Credit loss provision to net charge-offs
1.46%Efficiency ratio
84,173Assets per employee
2.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.68%Loss allowance to noncurrent loans
34.98%Noncurrent assets plus other real estate owned to assets
7.89%Noncurrent loans to loans
7.67%Net loans and leases to deposits
70.11%Net loans and leases to core deposits
75.98%Equity capital to assets
13.00%Core capital (leverage) ratio
12.72%Tier 1 risk-based capital ratio
17.64%Total risk-based capital ratio
Memoranda
$19Average assets
$170,935Average earning assets
$21,305Average equity
$144,092Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$153,383Managed Assets
1Number of Accounts
$122,892Personal trust and agency accounts
$111,276Employee benefit-defined contribution accounts
$2,609Employee benefit-defined benefit accounts
$0Other retirement accounts
$925Corporate trust and agency accounts
$0Investment management agency accounts
$7,507Other fiduciary accounts
$575Fiduciary accounts held in foreign offices
$0Non-managed Assets
311Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$30,491Other retirement accounts
$219Corporate trust and agency accounts
$154Other fiduciary accounts
$20,752Fiduciary accounts held in foreign offices

List of branches

4 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	17279	Border Capital Bank, National Association	1801 South Mccoll Road, Mcallen, TX 78502	January 19, 1984	Full Service Brick and Mortar
1	360700	Mc Allen Branch	5201 North 23 Street, Mcallen, TX 78504	April 18, 2001	Full Service Brick and Mortar
2	428053	Edinburg Branch	4925 S. Mccoll, Edinburg, TX 78539	Febuary 02, 2004	Full Service Brick and Mortar
3	478918	Second Street Branch	2111 S. Col Rowe Blvd, Mcallen, TX 78503	June 23, 2008	Full Service Brick and Mortar

Border Capital Bank, National Association in Mcallen, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Border Capital Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Border Capital Bank, National Association in Mcallen, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

Border Capital Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Border Capital Bank, National Association in Mcallen, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches