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- Banks in Texas (TX)
- Clear Lake National Bank
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)
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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
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- Banks in Texas (TX)
- Clear Lake National Bank
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