FDIC Certificate #: 3171 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:South Texas National Bank of Laredo (#22563) Federal Reserve ID: 561257 Date Established: October 24, 1904 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 4 (Interstate: No) FDIC's unique #: 2036 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: January 01, 1934 Last Structure Change Effective Date: November 30, 2001 Last Structure Change Process Date: Febuary 01, 2002 Last Data Update: Febuary 01, 2002 Data Source Date: April 05, 2012
Location
Address: 525 South Main Street, Del Rio, TX 78840 County: Val Verde 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 Core Based Statistical Area (CBSA): Del Rio, TX (#19620) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $141.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
64Total employees (full-time equivalent)
$136,937Total assets
$6,916Cash and due from depository institutions
$50Interest-bearing balances
$51,215Securities
$11,400Federal funds sold & reverse repurchase agreements
$63,852Net loans & leases
$400Loan loss allowance
$0Trading account assets
$2,012Bank premises and fixed assets
$60Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,482All other assets
$136,937Total liabilities and capital
$126,250Total liabilities
$125,763Total deposits
$101,079Interest-bearing deposits
$125,763Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$210Other borrowed funds
$0Subordinated debt
$277All other liabilities
$10,687Total equity capital
$10,687Total bank equity capital
$10,687Perpetual preferred stock
$0Common stock
$325Surplus
$375Undivided profits
Memoranda
$9,987Noncurrent loans and leases
$4,937Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$326Earning assets
$0Long-term assets (5+ years)
$635Average Assets, year-to-date
$126,517Average Assets, quarterly
$42,576Volatile liabilities
$134,166Insider loans
$135,844FHLB advances
$17,232Loans and leases held for sale
$1,451Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,937Total unused commitments
$12Restructured Loans and leases
$400Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$9,406Total interest income
$3,801Total interest expense
$5,605Net interest income
$119Provision for loan and lease losses
$1,500Total noninterest income
$0Fiduciary activities
$959Service charges on deposit accounts
$0Trading account gains & fees
$541Additional noninterest income
$4,243Total noninterest expense
$2,258Salaries and employee benefits
$802Premises and equipment expense
$1,183Additional noninterest expense
$2,743Pre-tax net operating income
-$5Securities gains (losses)
$746Applicable income taxes
$1,992Income before extraordinary items
$0Extraordinary gains - net
$1,992Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$44Sale, conversion, retirement of capital stock, net
$1,129Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.58%Yield on earning assets
3.06%Cost of funding earning assets
4.52%Net interest margin
1.21%Noninterest income to earning assets
3.42%Noninterest expense to earning assets
1.49%Net operating income to assets
1.48%Return on assets (ROA)
2.04%Pretax return on assets
20.21%Return on equity (ROE)
8.75%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
270.45%Credit loss provision to net charge-offs
65.05%Efficiency ratio
59,719Assets per employee
2.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.68%Loss allowance to loans
0.62%Loss allowance to noncurrent loans
122.70%Noncurrent assets plus other real estate owned to assets
0.28%Noncurrent loans to loans
0.51%Net loans and leases to deposits
50.77%Net loans and leases to core deposits
58.72%Equity capital to assets
7.80%Core capital (leverage) ratio
8.01%Tier 1 risk-based capital ratio
14.77%Total risk-based capital ratio
Memoranda
$15Average assets
$134,166Average earning assets
$9,858Average equity
$124,017Average loans
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