The Karnes County National Bank of Karnes City - Overview
General
FDIC Certificate #: 3279 Status: Active Federal Reserve ID: 979759 Date Established: January 01, 1900 WWW:http://www.kcnb.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 2118 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: Mortgage Lending Specialization Date of Deposit Insurance: January 01, 1934 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: 311 East Calvert Street, Karnes City, TX 78118 County: Karnes 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: $155.2 mil Equity capital: $11.4 mil Deposits held in domestic offices: $142.2 mil Return on assets (ROA): 0.90% ($1.4 mil) Quarterly return on assets: 0.83% ($1.3 mil) Return on Equity (ROE): 11.32% ($1.2 mil) Quarterly return on equity: 10.71% ($1.2 mil) Net income: $1.2 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.10% ($1,707.7 mil) Quarterly Pretax return on assets: 0.96% ($1,490.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
28Total employees (full-time equivalent)
$155,244Total assets
$4,628Cash and due from depository institutions
$0Interest-bearing balances
$94,632Securities
$7,250Federal funds sold & reverse repurchase agreements
$43,351Net loans & leases
$602Loan loss allowance
$0Trading account assets
$2,328Bank premises and fixed assets
$712Other real estate owned
$0Goodwill and other intangibles
$155,244Life insurance assets
$2,343All other assets
$143,892Total liabilities and capital
$142,232Total liabilities
$104,134Total deposits
$142,232Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,660Subordinated debt
$11,352All other liabilities
$11,352Total equity capital
$11,352Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$400Surplus
$10,552Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,085Income earned, not collected on loans
$0Earning assets
$697Long-term assets (5+ years)
$145,233Average Assets, year-to-date
$112,788Average Assets, quarterly
$130,576Volatile liabilities
$147,199Insider loans
$67,993FHLB advances
$147,348Loans and leases held for sale
$864Unused loan commitments
$864Tier 1 (core) risk-based capital
$10,124Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,975Restructured Loans and leases
$429Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,047Total interest income
$522Total interest expense
$4,525Net interest income
$98Provision for loan and lease losses
$440Total noninterest income
$0Fiduciary activities
$321Service charges on deposit accounts
$0Trading account gains & fees
$119Additional noninterest income
$3,475Total noninterest expense
$2,010Salaries and employee benefits
$310Premises and equipment expense
$1,155Additional noninterest expense
$1,392Pre-tax net operating income
$46Securities gains (losses)
$263Applicable income taxes
$1,175Income before extraordinary items
$0Extraordinary gains - net
$1,175Net income attributable to bank
$0Net charge-offs
$1,175Cash dividends
$1Sale, conversion, retirement of capital stock, net
$144Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.14%Yield on earning assets
0.43%Cost of funding earning assets
3.71%Net interest margin
0.36%Noninterest income to earning assets
2.85%Noninterest expense to earning assets
0.87%Net operating income to assets
0.90%Return on assets (ROA)
1.10%Pretax return on assets
11.32%Return on equity (ROE)
9.93%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
9800.00%Credit loss provision to net charge-offs
1490.00%Efficiency ratio
69,990Assets per employee
5.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
12.26%Loss allowance to loans
1.37%Loss allowance to noncurrent loans
55.48%Noncurrent assets plus other real estate owned to assets
1.16%Noncurrent loans to loans
2.47%Net loans and leases to deposits
30.48%Net loans and leases to core deposits
32.40%Equity capital to assets
7.31%Core capital (leverage) ratio
6.87%Tier 1 risk-based capital ratio
14.89%Total risk-based capital ratio
Memoranda
$16Average assets
$130,576Average earning assets
$10,384Average equity
$121,822Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2118
The Karnes County National Bank Of K
311 East Calvert Street, Karnes City, TX 78118
January 01, 1900
Full Service Brick and Mortar
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 The Karnes County National Bank of Karnes City.
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: