Clear Lake National Bank in San Antonio, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 2003

  • Clear Lake National Bank in San Antonio, Texas (TX)
  • Show street view No street view available for this location

Clear Lake National Bank - Overview

  • General
  • FDIC Certificate #: 35148
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Lone Star Capital Bank, National Association (#35015)
    Federal Reserve ID: 2797014
    Date Established: April 02, 1999
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 75141
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: April 02, 1999
    Last Structure Change Effective Date: June 01, 2003
    Last Structure Change Process Date: August 12, 2003
    Last Data Update: August 12, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 150 North Loop 1604 East, San Antonio, TX 78232
    County: Bexar
    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: $48.4 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, 2002)

  • Dollar figures in thousands
  • 20Total employees (full-time equivalent)
  • $40,945Total assets
  • $4,527Cash and due from depository institutions
  • $1,287Interest-bearing balances
  • $7,868Securities
  • $2,295Federal funds sold & reverse repurchase agreements
  • $23,303Net loans & leases
  • $715Loan loss allowance
  • $0Trading account assets
  • $2,090Bank premises and fixed assets
  • $326Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $536All other assets
  • $40,945Total liabilities and capital
  • $38,005Total liabilities
  • $37,766Total deposits
  • $27,995Interest-bearing deposits
  • $37,766Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $239All other liabilities
  • $2,940Total equity capital
  • $2,940Total bank equity capital
  • $2,940Perpetual preferred stock
  • $0Common stock
  • $5,572Surplus
  • $1,393Undivided profits
  • Memoranda
  • $-4,025Noncurrent loans and leases
  • $2,903Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $215Earning assets
  • $0Long-term assets (5+ years)
  • $183Average Assets, year-to-date
  • $34,753Average Assets, quarterly
  • $2,036Volatile liabilities
  • $44,790Insider loans
  • $43,364FHLB advances
  • $10,242Loans and leases held for sale
  • $282Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,903Total unused commitments
  • $0Restructured Loans and leases
  • $357Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $2,628Total interest income
  • $1,143Total interest expense
  • $1,485Net interest income
  • $576Provision for loan and lease losses
  • $283Total noninterest income
  • $0Fiduciary activities
  • $335Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$52Additional noninterest income
  • $2,448Total noninterest expense
  • $1,088Salaries and employee benefits
  • $388Premises and equipment expense
  • $972Additional noninterest expense
  • -$1,256Pre-tax net operating income
  • $25Securities gains (losses)
  • $0Applicable income taxes
  • -$1,231Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,231Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $706Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.80%Yield on earning assets
  • 2.96%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 6.33%Noninterest expense to earning assets
  • -2.80%Net operating income to assets
  • -2.75%Return on assets (ROA)
  • -2.75%Pretax return on assets
  • -35.67%Return on equity (ROE)
  • -35.67%Retained earnings to average equity (YTD only)
  • 2.56%Net charge-offs to loans
  • 81.59%Credit loss provision to net charge-offs
  • -0.96%Efficiency ratio
  • 138,462Assets per employee
  • 2.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.98%Loss allowance to noncurrent loans
  • 332.56%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 0.90%Net loans and leases to deposits
  • 61.70%Net loans and leases to core deposits
  • 84.66%Equity capital to assets
  • 7.18%Core capital (leverage) ratio
  • 6.31%Tier 1 risk-based capital ratio
  • 9.40%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $44,790Average earning assets
  • $3,451Average equity
  • $38,650Average loans

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 Clear Lake National Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents