Falcon International Bank in Laredo, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Falcon International Bank - Overview

  • General
  • FDIC Certificate #: 26856
    Status: Active
    Federal Reserve ID: 564557
    Bank Holding Company (Regulatory Top Holder): Falcon Bancshares Incorporated (RSSDID: 2270254, Location: Laredo, TX)
    Date Established: December 10, 1986
    WWW: http://www.falconbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 16 (Domestic: 15, Foreign: 1, Interstate: No)
    OTS Docket #: 11011
    FDIC's unique #: 36119
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: Yes
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 10, 1986
    Last Structure Change Effective Date: January 31, 2011
    Last Structure Change Process Date: Febuary 16, 2011
    Last Data Update: Febuary 16, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 7718 Mcpherson Rd. Bldg. F, Laredo, TX 78045
    County: Webb
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Laredo, TX (#4080)
    Core Based Statistical Area (CBSA): Laredo, TX (#29700)
    CBSA Metro Statistical Area: Laredo, TX (#29700)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $869.6 mil
    Equity capital: $87.7 mil
    Deposits held in domestic offices: $762.9 mil
    Return on assets (ROA): 0.79% ($6.9 mil)
    Quarterly return on assets: -0.13% (-$1.1 mil)
    Return on Equity (ROE): 7.99% ($7.0 mil)
    Quarterly return on equity: -1.26% (-$1.1 mil)
    Net income: $6.8 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: 0.66% ($5,739.1 mil)
    Quarterly Pretax return on assets: -0.19% (-$1,652.2 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
  • 268Total employees (full-time equivalent)
  • $869,564Total assets
  • $35,609Cash and due from depository institutions
  • $18,918Interest-bearing balances
  • $93,150Securities
  • $104,585Federal funds sold & reverse repurchase agreements
  • $538,841Net loans & leases
  • $13,151Loan loss allowance
  • $0Trading account assets
  • $45,773Bank premises and fixed assets
  • $37,998Other real estate owned
  • $28Goodwill and other intangibles
  • $869,564Life insurance assets
  • $13,580All other assets
  • $781,910Total liabilities and capital
  • $762,897Total liabilities
  • $675,041Total deposits
  • $762,897Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,173Trading liabilities
  • $0Other borrowed funds
  • $1,840Subordinated debt
  • $87,654All other liabilities
  • $87,654Total equity capital
  • $87,654Total bank equity capital
  • $0Perpetual preferred stock
  • $1,418Common stock
  • $66,997Surplus
  • $19,239Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $41,081Income earned, not collected on loans
  • $0Earning assets
  • $2,588Long-term assets (5+ years)
  • $755,494Average Assets, year-to-date
  • $232,692Average Assets, quarterly
  • $862,965Volatile liabilities
  • $871,771Insider loans
  • $581,925FHLB advances
  • $871,376Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $85,513Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,845Restructured Loans and leases
  • $9,230Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $37,873Total interest income
  • $7,380Total interest expense
  • $30,493Net interest income
  • $5,250Provision for loan and lease losses
  • $5,511Total noninterest income
  • $815Fiduciary activities
  • $2,038Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,658Additional noninterest income
  • $25,085Total noninterest expense
  • $12,398Salaries and employee benefits
  • $4,373Premises and equipment expense
  • $8,314Additional noninterest expense
  • $5,669Pre-tax net operating income
  • $0Securities gains (losses)
  • -$1,141Applicable income taxes
  • $6,810Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,810Net income attributable to bank
  • $0Net charge-offs
  • $6,810Cash dividends
  • $4,589Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 7.99%Return on equity (ROE)
  • 7.99%Retained earnings to average equity (YTD only)
  • 0.79%Net charge-offs to loans
  • 114.40%Credit loss provision to net charge-offs
  • 2.38%Efficiency ratio
  • 69,617Assets per employee
  • 3.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.38%Loss allowance to noncurrent loans
  • 32.01%Noncurrent assets plus other real estate owned to assets
  • 9.09%Noncurrent loans to loans
  • 7.44%Net loans and leases to deposits
  • 70.63%Net loans and leases to core deposits
  • 91.38%Equity capital to assets
  • 10.08%Core capital (leverage) ratio
  • 9.81%Tier 1 risk-based capital ratio
  • 14.69%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $862,965Average earning assets
  • $85,237Average equity
  • $755,368Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $72,747Managed Assets
  • 1Number of Accounts
  • $72,248Personal trust and agency accounts
  • $65,408Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $53Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $6,238Other fiduciary accounts
  • $549Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 68Number of Accounts
  • $0Personal trust and agency accounts
  • $53Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $499Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $499Fiduciary accounts held in foreign offices

List of branches

  • 1 Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    10453360Falcon Intl Bk Guadalajara RepBoulevard Puerta De Hierro No 521 Piso Lobby Torre, B, Zapopan, 0January 01, 2006Full Service Brick and Mortar
  • 15 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036119Falcon International Bank7718 Mcpherson Rd. Bldg. F, Laredo, TX 78045December 10, 1986Full Service Brick and Mortar
    1260315Downtown Branch801 Matamoros Street, Laredo, TX 78040Febuary 24, 1997Full Service Brick and Mortar
    2334412East Branch204 Bob Bullock Loop, Laredo, TX 78041May 01, 2000Full Service Brick and Mortar
    3362113North Branch5219 Mcpherson Road, Laredo, TX 78041March 19, 2001Full Service Brick and Mortar
    4196324Stone Oak Branch19230 Stone Oak Parkway, San Antonio, TX 78258June 15, 1997Full Service Brick and Mortar
    5445613Military Dr. Branch2530 S.W. Military Dr., San Antonio, TX 78224November 14, 2005Full Service Brick and Mortar
    7452521Del Rio Main Office Branch504 S. Main Street, Del Rio, TX 78840November 10, 2005Full Service Brick and Mortar
    9452523Buda Office Branch1005 N. Loop 4, Buda, TX 78610August 22, 2005Full Service Brick and Mortar
    11461427South Bibb Avenue Branch476 South Bibb Ave, Eagle Pass, TX 78852Febuary 27, 2007Full Service Brick and Mortar
    12466245Del Rio North Branch110 Chevrolet Dr., Del Rio, TX 78840July 17, 2006Full Service Brick and Mortar
    13466246Brownsville Branch2200 Boca Chica Blvd, Suite 100, Brownsville, TX 78520Febuary 08, 2007Full Service Brick and Mortar
    14468934Mcallen 83 Branch500 E. Highway 83, Mcallen, TX 78501October 31, 2007Full Service Brick and Mortar
    16478503San Isidro Branch10511 Mcpherson Rd., Laredo, TX 78045July 26, 2007Full Service Brick and Mortar
    17478504Mcallen North 10th Branch6301 N. 10th, Mcallen, TX 78501March 28, 2008Full Service Brick and Mortar
    18480907Bandera Branch12002 Bandera Rd., Helotes, TX 78023June 02, 2008Full Service Brick and Mortar

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