FDIC Certificate #: 11577 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:American Bank of Texas, National Association (#23433) Federal Reserve ID: 238661 Date Established: October 31, 1906 WWW:http://www.abtstexas.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 7 (Interstate: No) OTS Docket #: 11063 FDIC's unique #: 7396 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: April 01, 2006 Last Structure Change Process Date: April 24, 2006 Last Data Update: April 24, 2006 Data Source Date: April 05, 2012
Location
Address: 200 North Austin Street, Seguin, TX 78155 County: Guadalupe 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 Metropolitan Statistical Area (MSA): San Antonio, TX (#7240) Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700) CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
Financial Summary
Total assets: $275.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
103Total employees (full-time equivalent)
$287,578Total assets
$12,383Cash and due from depository institutions
$100Interest-bearing balances
$87,731Securities
$23,000Federal funds sold & reverse repurchase agreements
$115,656Net loans & leases
$1,352Loan loss allowance
$0Trading account assets
$12,971Bank premises and fixed assets
$146Other real estate owned
$22,759Goodwill and other intangibles
$0Life insurance assets
$12,932All other assets
$287,578Total liabilities and capital
$240,234Total liabilities
$227,051Total deposits
$177,910Interest-bearing deposits
$227,051Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$12,139Other borrowed funds
$0Subordinated debt
$1,044All other liabilities
$47,344Total equity capital
$47,344Total bank equity capital
$47,344Perpetual preferred stock
$0Common stock
$3,959Surplus
$43,236Undivided profits
Memoranda
$149Noncurrent loans and leases
$24,843Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$7Earning assets
$0Long-term assets (5+ years)
$1,069Average Assets, year-to-date
$226,487Average Assets, quarterly
$102,739Volatile liabilities
$270,145Insider loans
$280,613FHLB advances
$16,899Loans and leases held for sale
$76Unused loan commitments
$12,139Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$24,843Total unused commitments
$0Restructured Loans and leases
$1,371Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$2,197Total interest income
$703Total interest expense
$1,494Net interest income
$2Provision for loan and lease losses
$378Total noninterest income
$37Fiduciary activities
$162Service charges on deposit accounts
$0Trading account gains & fees
$179Additional noninterest income
$1,563Total noninterest expense
$785Salaries and employee benefits
$200Premises and equipment expense
$578Additional noninterest expense
$307Pre-tax net operating income
$0Securities gains (losses)
$44Applicable income taxes
$263Income before extraordinary items
$0Extraordinary gains - net
$263Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$31Sale, conversion, retirement of capital stock, net
$16,300Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
0.94%Yield on earning assets
0.30%Cost of funding earning assets
0.64%Net interest margin
0.16%Noninterest income to earning assets
0.67%Noninterest expense to earning assets
0.10%Net operating income to assets
0.10%Return on assets (ROA)
0.11%Pretax return on assets
0.63%Return on equity (ROE)
-38.54%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
6.45%Credit loss provision to net charge-offs
9.97%Efficiency ratio
78,098Assets per employee
2.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
6197.72%Loss allowance to loans
1.16%Loss allowance to noncurrent loans
19314.29%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.01%Net loans and leases to deposits
50.94%Net loans and leases to core deposits
55.03%Equity capital to assets
16.46%Core capital (leverage) ratio
9.83%Tier 1 risk-based capital ratio
16.89%Total risk-based capital ratio
Memoranda
$18Average assets
$270,145Average earning assets
$41,612Average equity
$234,280Average loans
Total Fiduciary and Related Assets (December 31, 2005)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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