Zavala County Bank in Crystal City, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Zavala County Bank in Crystal City, Texas (TX)
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Zavala County Bank routing number info

Zavala County Bank - Overview

  • General
  • FDIC Certificate #: 15105
    Status: Active
    Federal Reserve ID: 969956
    Date Established: January 01, 1907
    WWW: http://www.zcbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15440
    FDIC's unique #: 9481
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: April 24, 1935
    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: 2300 Highway 83 North, Crystal City, TX 78839
    County: Zavala
    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: $64.3 mil
    Equity capital: $8.2 mil
    Deposits held in domestic offices: $54.5 mil
    Return on assets (ROA): 1.10% ($0.7 mil)
    Quarterly return on assets: 0.46% ($0.3 mil)
    Return on Equity (ROE): 8.51% ($0.7 mil)
    Quarterly return on equity: 3.44% ($0.3 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.38% ($887.3 mil)
    Quarterly Pretax return on assets: 1.35% ($868.0 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
  • 25Total employees (full-time equivalent)
  • $64,300Total assets
  • $5,693Cash and due from depository institutions
  • $2,369Interest-bearing balances
  • $41,650Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $12,536Net loans & leases
  • $186Loan loss allowance
  • $0Trading account assets
  • $3,308Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $64,300Life insurance assets
  • $1,113All other assets
  • $56,111Total liabilities and capital
  • $54,491Total liabilities
  • $39,786Total deposits
  • $54,491Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,620Subordinated debt
  • $8,189All other liabilities
  • $8,189Total equity capital
  • $8,189Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $3,900Surplus
  • $3,889Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $488Income earned, not collected on loans
  • $0Earning assets
  • $395Long-term assets (5+ years)
  • $56,555Average Assets, year-to-date
  • $30,996Average Assets, quarterly
  • $61,677Volatile liabilities
  • $64,035Insider loans
  • $23,700FHLB advances
  • $63,786Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,830Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,690Restructured Loans and leases
  • $805Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,178Total interest income
  • $249Total interest expense
  • $1,929Net interest income
  • $3Provision for loan and lease losses
  • $922Total noninterest income
  • $0Fiduciary activities
  • $610Service charges on deposit accounts
  • $0Trading account gains & fees
  • $312Additional noninterest income
  • $2,031Total noninterest expense
  • $993Salaries and employee benefits
  • $388Premises and equipment expense
  • $650Additional noninterest expense
  • $817Pre-tax net operating income
  • $36Securities gains (losses)
  • $173Applicable income taxes
  • $680Income before extraordinary items
  • $0Extraordinary gains - net
  • $680Net income attributable to bank
  • $0Net charge-offs
  • $680Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.02%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.56%Net interest margin
  • 1.70%Noninterest income to earning assets
  • 3.75%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 8.51%Return on equity (ROE)
  • 2.25%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 300.00%Credit loss provision to net charge-offs
  • 820.00%Efficiency ratio
  • 71,238Assets per employee
  • 2.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 73.53%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 38.11%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 3.84%Net loans and leases to deposits
  • 23.01%Net loans and leases to core deposits
  • 25.01%Equity capital to assets
  • 12.74%Core capital (leverage) ratio
  • 10.71%Tier 1 risk-based capital ratio
  • 28.82%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $61,677Average earning assets
  • $7,995Average equity
  • $54,145Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    09481Zavala County Bank2300 Highway 83 North, Crystal City, TX 78839January 01, 1907Full Service Brick and Mortar
    15375La Pryor Branch237 Us Highway 57 West, La Pryor, TX 78872January 12, 1914Full Service Brick and Mortar

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