FDIC Certificate #: 16699 Status: Inactive Closing history: Change in Location Acquiring institution:MERCANTIL COMMERCEBANK, NATIONAL ASSOCIATION (#22953) Federal Reserve ID: 2935423 Date Established: January 01, 1908 WWW:http://www.firsttexomabank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 10491 FDIC's unique #: 10823 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: May 17, 1948 Last Structure Change Effective Date: April 22, 2005 Last Structure Change Process Date: May 18, 2005 Last Data Update: May 18, 2005 Data Source Date: April 05, 2012
Location
Address: 500 Dallas Street, Suite 2650, Houston, TX 77002 County: Harris 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): Houston, TX (#3360) Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42) Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288) Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420) CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
History of Changes
Merger - Without Assistance
Change in Geographic Region/Area/Territory/Field Office
Change in Location
Financial Summary
Total assets: $42.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
13Total employees (full-time equivalent)
$42,646Total assets
$2,594Cash and due from depository institutions
$0Interest-bearing balances
$998Securities
$1,870Federal funds sold & reverse repurchase agreements
$36,395Net loans & leases
$243Loan loss allowance
$0Trading account assets
$165Bank premises and fixed assets
$159Other real estate owned
$183Goodwill and other intangibles
$0Life insurance assets
$282All other assets
$42,646Total liabilities and capital
$39,033Total liabilities
$38,910Total deposits
$30,942Interest-bearing deposits
$38,910Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$123All other liabilities
$3,613Total equity capital
$3,613Total bank equity capital
$3,613Perpetual preferred stock
$0Common stock
$3,000Surplus
$450Undivided profits
Memoranda
$163Noncurrent loans and leases
$1,929Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$182Average Assets, year-to-date
$39,263Average Assets, quarterly
$3,649Volatile liabilities
$38,688Insider loans
$42,258FHLB advances
$19,602Loans and leases held for sale
$968Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,929Total unused commitments
$0Restructured Loans and leases
$243Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$2,144Total interest income
$666Total interest expense
$1,478Net interest income
$37Provision for loan and lease losses
$304Total noninterest income
$0Fiduciary activities
$250Service charges on deposit accounts
$0Trading account gains & fees
$54Additional noninterest income
$1,485Total noninterest expense
$666Salaries and employee benefits
$299Premises and equipment expense
$520Additional noninterest expense
$260Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$260Income before extraordinary items
$0Extraordinary gains - net
$260Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$13Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.09%Yield on earning assets
1.89%Cost of funding earning assets
4.20%Net interest margin
0.86%Noninterest income to earning assets
4.22%Noninterest expense to earning assets
0.67%Net operating income to assets
0.67%Return on assets (ROA)
0.67%Pretax return on assets
7.83%Return on equity (ROE)
7.83%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
284.62%Credit loss provision to net charge-offs
22.85%Efficiency ratio
83,333Assets per employee
3.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.66%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.37%Noncurrent loans to loans
0.00%Net loans and leases to deposits
93.54%Net loans and leases to core deposits
188.50%Equity capital to assets
8.47%Core capital (leverage) ratio
8.28%Tier 1 risk-based capital ratio
9.34%Total risk-based capital ratio
Memoranda
$10Average assets
$38,688Average earning assets
$3,321Average equity
$35,200Average loans
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