FDIC Certificate #: 30448 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Prosperity Bank (#16835) Federal Reserve ID: 395377 Date Established: January 01, 1949 WWW:http://www.firstcapitalonline.com Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 32 (Interstate: No) OTS Docket #: 5353 FDIC's unique #: 43282 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: Febuary 08, 1950 Last Structure Change Effective Date: March 01, 2005 Last Structure Change Process Date: March 28, 2005 Last Data Update: March 28, 2005 Data Source Date: April 05, 2012
Location
Address: 500 N. Water St., Suite 100, Corpus Christi, TX 78471 County: Nueces 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): Corpus Christi, TX (#1880) Combined Statistical Area (CSA): Corpus Christi-Kingsville, TX (#204) Core Based Statistical Area (CBSA): Corpus Christi, TX (#18580) CBSA Metro Statistical Area: Corpus Christi, TX (#18580)
Financial Summary
Total assets: $760.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
305Total employees (full-time equivalent)
$760,553Total assets
$20,915Cash and due from depository institutions
$666Interest-bearing balances
$146,988Securities
$24,725Federal funds sold & reverse repurchase agreements
$493,921Net loans & leases
$5,071Loan loss allowance
$0Trading account assets
$21,753Bank premises and fixed assets
$238Other real estate owned
$21,546Goodwill and other intangibles
$0Life insurance assets
$30,467All other assets
$760,553Total liabilities and capital
$677,062Total liabilities
$633,663Total deposits
$602,332Interest-bearing deposits
$633,663Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$38,136Other borrowed funds
$0Subordinated debt
$5,263All other liabilities
$83,491Total equity capital
$83,491Total bank equity capital
$83,491Perpetual preferred stock
$0Common stock
$1,317Surplus
$63,775Undivided profits
Memoranda
$18,399Noncurrent loans and leases
$99,157Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$10,524Earning assets
$78Long-term assets (5+ years)
$2,861Average Assets, year-to-date
$666,300Average Assets, quarterly
$77,330Volatile liabilities
$764,651Insider loans
$765,764FHLB advances
$90,862Loans and leases held for sale
$7,956Unused loan commitments
$38,136Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$99,157Total unused commitments
$0Restructured Loans and leases
$5,073Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$36,113Total interest income
$9,971Total interest expense
$26,142Net interest income
$240Provision for loan and lease losses
$8,894Total noninterest income
$0Fiduciary activities
$5,599Service charges on deposit accounts
$0Trading account gains & fees
$3,295Additional noninterest income
$27,736Total noninterest expense
$13,160Salaries and employee benefits
$5,737Premises and equipment expense
$8,839Additional noninterest expense
$7,060Pre-tax net operating income
$726Securities gains (losses)
$2,504Applicable income taxes
$5,282Income before extraordinary items
$0Extraordinary gains - net
$5,282Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$485Sale, conversion, retirement of capital stock, net
$600Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.46%Yield on earning assets
1.51%Cost of funding earning assets
3.96%Net interest margin
1.35%Noninterest income to earning assets
4.20%Noninterest expense to earning assets
0.63%Net operating income to assets
0.69%Return on assets (ROA)
1.02%Pretax return on assets
6.53%Return on equity (ROE)
5.79%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
49.48%Credit loss provision to net charge-offs
15.05%Efficiency ratio
79,164Assets per employee
2.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
11.36%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
48.19%Noncurrent assets plus other real estate owned to assets
1.42%Noncurrent loans to loans
2.11%Net loans and leases to deposits
77.95%Net loans and leases to core deposits
89.03%Equity capital to assets
10.98%Core capital (leverage) ratio
8.39%Tier 1 risk-based capital ratio
11.18%Total risk-based capital ratio
Memoranda
$12Average assets
$764,651Average earning assets
$80,927Average equity
$660,844Average loans
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