The San Benito Bank & Trust Company in San Benito, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 01, 1995

  • The San Benito Bank & Trust Company in San Benito, Texas (TX)
  • Show street view No street view available for this location

The San Benito Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 11168
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Pacific Southwest Bank (#32641)
    Federal Reserve ID: 577267
    Date Established: December 07, 1908
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    FDIC's unique #: 7128
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 01, 1995
    Last Structure Change Process Date: April 06, 1995
    Last Data Update: April 06, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 198 South Sam Houston Street, San Benito, TX 78586
    County: Cameron
    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): Brownsville-Harlingen-San Benito, TX (#1240)
    Combined Statistical Area (CSA): Brownsville-Harlingen-Raymondville, TX (#154)
    Core Based Statistical Area (CBSA): Brownsville-Harlingen, TX (#15180)
    CBSA Metro Statistical Area: Brownsville-Harlingen, TX (#15180)
  • Financial Summary
  • Total assets: $139.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $97Total assets
  • $139,418Cash and due from depository institutions
  • $7,704Interest-bearing balances
  • $0Securities
  • $26,094Federal funds sold & reverse repurchase agreements
  • $15,300Net loans & leases
  • $80,347Loan loss allowance
  • $1,094Trading account assets
  • $0Bank premises and fixed assets
  • $6,257Other real estate owned
  • $923Goodwill and other intangibles
  • $2,766Life insurance assets
  • $27All other assets
  • $0Total liabilities and capital
  • $139,418Total liabilities
  • $130,216Total deposits
  • $129,528Interest-bearing deposits
  • $104,556Deposits held in domestic offices
  • 129528.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $688Total equity capital
  • $688Total bank equity capital
  • $9,202Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $4,150Undivided profits
  • Memoranda
  • $4,052Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,017Income earned, not collected on loans
  • $1,286Earning assets
  • $121,741Long-term assets (5+ years)
  • $1,279Average Assets, year-to-date
  • $138,336Average Assets, quarterly
  • $138,414Volatile liabilities
  • $13,943Insider loans
  • $4,832FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $17,826Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,175Total risk weighted assets
  • $85,728Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,706Total interest expense
  • $2,916Net interest income
  • $6,790Provision for loan and lease losses
  • $385Total noninterest income
  • $1,890Fiduciary activities
  • $120Service charges on deposit accounts
  • $1,463Trading account gains & fees
  • $0Additional noninterest income
  • $307Total noninterest expense
  • $6,329Salaries and employee benefits
  • $3,012Premises and equipment expense
  • $866Additional noninterest expense
  • $2,451Pre-tax net operating income
  • $1,966Securities gains (losses)
  • $7Applicable income taxes
  • $747Income before extraordinary items
  • $1,226Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,226Net charge-offs
  • $394Cash dividends
  • $652Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.92%Cost of funding earning assets
  • 2.38%Net interest margin
  • 5.54%Noninterest income to earning assets
  • 1.54%Noninterest expense to earning assets
  • 5.16%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 1.43%Return on equity (ROE)
  • 13.64%Retained earnings to average equity (YTD only)
  • 6.38%Net charge-offs to loans
  • 0.51%Credit loss provision to net charge-offs
  • 97.72%Efficiency ratio
  • 72,869Assets per employee
  • 1.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.18%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 54.24%Noncurrent assets plus other real estate owned to assets
  • 2.11%Noncurrent loans to loans
  • 2.48%Net loans and leases to deposits
  • 62.03%Net loans and leases to core deposits
  • 69.51%Equity capital to assets
  • 6.60%Core capital (leverage) ratio
  • 6.66%Tier 1 risk-based capital ratio
  • 10.70%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $138,336Average earning assets
  • $8,990Average equity
  • $122,599Average loans

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