Falcon International Bank in city_name, state_name - Detailed Financial Reports, Location

Falcon International Bank in Laredo, Texas (TX)
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Falcon International Bank routing number info

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

No	ID	Name	Address	Established	Service Type	Map
10	453360	Falcon Intl Bk Guadalajara Rep	Boulevard Puerta De Hierro No 521 Piso Lobby Torre, B, Zapopan, 0	January 01, 2006	Full Service Brick and Mortar

15 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	36119	Falcon International Bank	7718 Mcpherson Rd. Bldg. F, Laredo, TX 78045	December 10, 1986	Full Service Brick and Mortar
1	260315	Downtown Branch	801 Matamoros Street, Laredo, TX 78040	Febuary 24, 1997	Full Service Brick and Mortar
2	334412	East Branch	204 Bob Bullock Loop, Laredo, TX 78041	May 01, 2000	Full Service Brick and Mortar
3	362113	North Branch	5219 Mcpherson Road, Laredo, TX 78041	March 19, 2001	Full Service Brick and Mortar
4	196324	Stone Oak Branch	19230 Stone Oak Parkway, San Antonio, TX 78258	June 15, 1997	Full Service Brick and Mortar
5	445613	Military Dr. Branch	2530 S.W. Military Dr., San Antonio, TX 78224	November 14, 2005	Full Service Brick and Mortar
7	452521	Del Rio Main Office Branch	504 S. Main Street, Del Rio, TX 78840	November 10, 2005	Full Service Brick and Mortar
9	452523	Buda Office Branch	1005 N. Loop 4, Buda, TX 78610	August 22, 2005	Full Service Brick and Mortar
11	461427	South Bibb Avenue Branch	476 South Bibb Ave, Eagle Pass, TX 78852	Febuary 27, 2007	Full Service Brick and Mortar
12	466245	Del Rio North Branch	110 Chevrolet Dr., Del Rio, TX 78840	July 17, 2006	Full Service Brick and Mortar
13	466246	Brownsville Branch	2200 Boca Chica Blvd, Suite 100, Brownsville, TX 78520	Febuary 08, 2007	Full Service Brick and Mortar
14	468934	Mcallen 83 Branch	500 E. Highway 83, Mcallen, TX 78501	October 31, 2007	Full Service Brick and Mortar
16	478503	San Isidro Branch	10511 Mcpherson Rd., Laredo, TX 78045	July 26, 2007	Full Service Brick and Mortar
17	478504	Mcallen North 10th Branch	6301 N. 10th, Mcallen, TX 78501	March 28, 2008	Full Service Brick and Mortar
18	480907	Bandera Branch	12002 Bandera Rd., Helotes, TX 78023	June 02, 2008	Full Service Brick and Mortar

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

Falcon International Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Falcon International Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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